Bank Safety Analysis
Is First Security Bank - West Safe? Beulah, North Dakota
Based on its Q2 2026 call report, First Security Bank - West meets every capital ratio test for well capitalized, its Texas ratio is 11.35%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of First Security Bank - West and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, First Security Bank - West's CET1 ratio is 45.99%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 45.99%
- Tier 1 leverage ratio (Q2 2026): 12.87%
- Texas ratio (Q2 2026): 11.35%
- Noncurrent loans ratio (Q2 2026): 4.65%
First Security Bank - West is an FDIC-insured commercial bank (FDIC Certificate #10253). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
First Security Bank - West is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: non-performing loan ratio. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) dropped 2.01 percentage points in Q2 2026, from 6.66% to 4.65%. It was the largest change from Q1 2026 among the key lines here. First Security Bank - West has the highest CET1 ratio of the 26 banks headquartered in North Dakota, 45.99% as of Q2 2026. First Security Bank - West's CET1 ratio of 45.99% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 26.02 points (Q2 2026). From Q3 2023 to Q2 2026, First Security Bank - West's CET1 ratio ranged between 28.66% (Q1 2024) and 45.99% (Q2 2026) and its Texas ratio ranged between 0.00% (Q3 2025) and 20.70% (Q1 2026). Between Q2 2025 and Q2 2026, First Security Bank - West's CET1 ratio rose from 33.65% to 45.99%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 4.65%, Texas ratio rose from 0.00% to 11.35% and return on assets fell from 1.54% to 0.98%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 45.99% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 12.87% is above the 5% well-capitalized threshold.
Nonperforming loans at 4.65% are at a stress-band level above 3%.
Texas Ratio of 11.4% is well below the 100% historical failure threshold.
Efficiency ratio of 70.7% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 45.99% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 11.35% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 4.65% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 32.36% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 69.55% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 45.99% |
| Q1 2026 | 41.65% |
| Q4 2025 | 36.42% |
| Q3 2025 | 36.69% |
| Q2 2025 | 33.65% |
| Q1 2025 | 33.97% |
| Q4 2024 | 31.21% |
| Q3 2024 | 29.08% |
| Q2 2024 | 28.66% |
| Q1 2024 | 28.66% |
| Q4 2023 | 29.67% |
| Q3 2023 | 29.95% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 11.35% |
| Q1 2026 | 20.70% |
| Q4 2025 | 13.26% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.10% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.03% |
| Q2 2024 | 0.13% |
| Q1 2024 | 10.94% |
| Q4 2023 | 10.81% |
| Q3 2023 | 13.75% |
First Security Bank - West by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 45.99% | 4.65% | 11.35% | 0.98% |
| Mar 31, 2026 | 41.65% | 6.66% | 20.70% | 0.55% |
| Dec 31, 2025 | 36.42% | 3.74% | 13.26% | 1.83% |
| Sep 30, 2025 | 36.69% | 0.00% | 0.00% | 1.74% |
| Jun 30, 2025 | 33.65% | 0.00% | 0.00% | 1.54% |
| Mar 31, 2025 | 33.97% | 0.03% | 0.10% | 1.26% |
| Dec 31, 2024 | 31.21% | 0.00% | 0.00% | 1.48% |
| Sep 30, 2024 | 29.08% | 0.01% | 0.03% | 1.59% |
| Jun 30, 2024 | 28.66% | 0.03% | 0.13% | 2.68% |
| Mar 31, 2024 | 28.66% | 3.15% | 10.94% | 1.49% |
| Dec 31, 2023 | 29.67% | 3.38% | 10.81% | 1.54% |
| Sep 30, 2023 | 29.95% | 3.93% | 13.75% | 1.52% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Security Bank - West FDIC insured?
Yes. First Security Bank - West is an FDIC-insured commercial bank (FDIC Certificate #10253). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Security Bank - West well capitalized?
On its Q2 2026 call report, First Security Bank - West's CET1 ratio is 45.99%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are First Security Bank - West's key safety ratios?
For Q2 2026, First Security Bank - West reports CET1 45.99%, leverage 12.87%, Texas ratio 11.35%, noncurrent loans 4.65%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if First Security Bank - West fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 10253) · FFIEC NIC profile (RSSD 969059)
Explore: Full First Security Bank - West profile · Other banks in ND · Metric glossary · How the call report works