First Security Bank of Roundup
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank of Roundup is an FDIC-insured commercial bank headquartered in Roundup, MT, established in 1971 (FDIC certificate 20479), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $94.5M, up 7.3% from Q2 2025, the 31st largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 27.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20479
- Headquarters
- Roundup, MT
- Established
- 1971
- Total assets, Q2 2026
- $94.5M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 27.14%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092901256
- Latest call report
- Q2 2026, FFIEC 051 · First Security Bank of Roundup call report
- Holding company
- CENTRAL MONTANA BANCORPORATION
- Asset rank in state
- 31st of 35 in Montana
First Security Bank of Roundup is one of the more profitable banks of its size. It reported $95 million in assets at June 30, 2026, up 7.3% from a year earlier. It returns 19.0% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 69 cents).
Net income for the quarter rose 25% from a year earlier, to $577,000. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 5.35% of loans, down from 5.48% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.0% of the capital and reserves that would absorb them, 9.4 times the median of 1.4% for banks its size.
As of June 30, 2026, First Security Bank of Roundup reported a CET1 capital ratio of 27.14%, a return on assets of 2.48%, a nonperforming-loan ratio of 5.35% and a Texas ratio of 12.99%. The figures come from its call report filed with the FFIEC.
First Security Bank of Roundup ranks as the 31st largest of the 35 banks based in Montana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $94.5M, loans rose 8.1% and deposits rose 1.5%. Agricultural production loans made up 41.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 38.3%. Its one office in the FDIC Summary of Deposits is in Roundup, MT. By the capital ratios in its Q2 2026 call report, First Security Bank of Roundup meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Main St, Roundup, MT 59072
- County
- Musselshell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 3, 1971
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $81.8M
- Allowance for credit losses
- $652K
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $93.2M
- Average total loans
- $30.0M
- Average interest-bearing deposits
- $51.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 3, 1971
- FDIC Cert
- 20479
- Fed RSSD
- 625056
- Website
- www.1stsecurityroundup.com →
- Parent Holding Company
- CENTRAL MONTANA BANCORPORATION (RSSD 1128349)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Security Bank of Roundup's total assets ranged from $77.8M (Q3 2024) to $94.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$94.5M total assets against $88.1M; $82.2M total liabilities against $77.0M.
$30.8M net loans and leases against $28.2M; $81.8M total deposits against $76.6M.
$39.5M securities against $42.5M; $21.0M cash and balances due against $14.2M.
$1.1M total interest income against $967K; $71K total interest expense against $81K.
$1.0M net interest income against $886K.
$92K total noninterest income against $86K; $538K total noninterest expense against $509K.
$0 provision for credit losses against $0.
$577K net income against $463K.
2.48% return on assets against 2.14%; 4.73% net interest margin against 4.38%.
27.14% CET1 capital ratio against 26.62%; 13.36% tier 1 leverage ratio against 12.99%.
Inside the full First Security Bank of Roundup terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First Security Bank of Roundup rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.74% (Q4 2024) to 2.48% (Q2 2026) and its net interest margin ran from 4.16% (Q3 2024) to 4.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.14% | 2.48% | 5.35% | 12.99% | 4.73% |
| Q1 2026 | 27.91% | 2.26% | 5.42% | 12.51% | 4.58% |
| Q4 2025 | 28.14% | 2.30% | 5.86% | 12.78% | 4.61% |
| Q3 2025 | 26.84% | 2.32% | 5.46% | 13.62% | 4.68% |
| Q2 2025 | 26.62% | 2.14% | 5.48% | 13.56% | 4.38% |
| Q1 2025 | 27.20% | 2.30% | 5.90% | 14.34% | 4.52% |
| Q4 2024 | 26.74% | 1.74% | 6.78% | 16.72% | 4.47% |
| Q3 2024 | 26.69% | 1.93% | 6.38% | 16.87% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Security Bank of Roundup (main office) | Roundup , MT | 59072 | $81.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MT, rank 37 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Security Bank of Roundup
What are First Security Bank of Roundup's total assets?
As of the Q2 2026 filing, First Security Bank of Roundup reported total assets of $94.5 million in its FFIEC call report.
Where is First Security Bank of Roundup headquartered?
It is headquartered in Roundup, MT, United States.
When was First Security Bank of Roundup founded?
It was established in 1971, per the FDIC institution directory.
Is First Security Bank of Roundup FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20479). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security Bank of Roundup?
First Security Bank of Roundup's primary federal regulator is the FDIC.
What is First Security Bank of Roundup's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Security Bank of Roundup operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security Bank of Roundup's Texas Ratio?
Its Texas Ratio is 12.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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