First Security Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank and Trust Company of Charles City, IA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.35% | -0.71% | 17th bottom |
| ROAE | 6.41% | 13.33% | -6.92% | 19th bottom |
| Net Interest Margin | 3.59% | 3.93% | -0.34% | 31st below |
| Efficiency Ratio | 79.77% | 61.12% | +18.65% | 14th bottom |
| PPNR / Avg Assets | 0.76% | 1.68% | -0.92% | 14th bottom |
| Yield on Earning Assets | 4.82% | 5.67% | -0.85% | 17th bottom |
| Cost of Funds | 1.33% | 1.88% | -0.55% | 78th top |
| Net Interest Spread | 3.27% | 3.32% | -0.05% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.94% | -0.22% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.47% | 0.70% | -0.23% | 40th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 170.99% | 1546.90% | -1375.91% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.87% | 7.34% | -2.47% | 42nd below |
| Provision / NCO | 1850.00% | 1394.51% | +455.49% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.85% | 19.49% | -4.64% | 47th below |
| Tier 1 Ratio | 14.85% | 19.52% | -4.67% | 47th below |
| Total Capital Ratio | 16.03% | 20.61% | -4.58% | 48th below |
| Leverage Ratio | 10.03% | 12.14% | -2.11% | 32nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.40% | 11.37% | -0.97% | 51st above |
| TCE / Tangible Assets | 8.95% | 11.08% | -2.13% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.06% | 80.66% | -6.60% | 64th above |
| Core Deposit Ratio | 96.57% | 86.84% | +9.73% | 91st top |
| Wholesale Funding Ratio | 1.82% | 5.04% | -3.22% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.03% | 6.85% | -8.88% | 11th bottom |
| Loan Growth (Y/Y) | -1.45% | 7.92% | -9.37% | 17th bottom |
| Deposit Growth (Y/Y) | -4.03% | 6.29% | -10.32% | 8th bottom |
See First Security Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Security Bank and Trust Company profile, how to read a UBPR, or how this data updates.