C
First Security Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
15.32
Leverage
Ratio
9.68
Return On
Assets
0.52%
Total
Assets
544.28M
Capital
53.65M
Total
Deposits
479.54M
Net
Income
2.18M
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Weiss Ratings First Security Bank and Trust Company
Charles City, IA 		Click to
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Rating C
Asset Quality Index 7.20
Capitalization Index 8.00
Liquidity Index 3.00
Profitability Index 2.50
Stability Index 5.40
Company Info First Security Bank and Trust Company
Charles City, IA 		Click to
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FDIC Number 1852
Phone Number (641) 228-2343
Website www.1stsecurity.bank
Asset Quality First Security Bank and Trust Company
Charles City, IA 		Click to
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1-Year Asset Growth -2.47%
5-Year Asset Growth 2.24%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 0.96%
Non-Performing Loans to Loans 0.75%
Balance Sheet First Security Bank and Trust Company
Charles City, IA 		Click to
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Total Assets 544.28M
Total Deposits 479.54M
Capital and Reserves First Security Bank and Trust Company
Charles City, IA 		Click to
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Capital 53.65M
Leverage Ratio 9.68
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio 15.32
Liquidity First Security Bank and Trust Company
Charles City, IA 		Click to
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Hot Money Ratio 5.71%
Liquidity Ratio 23.49%
Profitability First Security Bank and Trust Company
Charles City, IA 		Click to
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5-Year Return on Average Assets 0.60%
Net Income 2.18M
Net Interest Spread 3.25%
Operating Profit to Average Assets 0.53%
Overhead Efficiency Ratio 89.15%
Return on Assets 0.52%
Return on Equity 5.76%