First Security Bank and Trust Company
Charles City, IA · Cert 1852 · Peer group: banks under $1B in assets in IA (n=134-135) · Cedar Valley Bankshares Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
$538.2MAssets
$347.4MLoans
$469.0MDeposits
$56.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 70% of banks under $1B in assets in IA (rank 41 of 135).
- Widest gap: efficiency ratio trails 96% of banks under $1B in assets in IA (rank 130 of 135).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.46%
Rank 128 of 135
Net Interest Margin
3.31%
Rank 80 of 135
Efficiency Ratio
84.12%
Rank 130 of 135
Equity / Assets
10.40%
Rank 83 of 135
Non-interest income vs. expense
Unfavorable gap of $14.7M · efficiency ratio beats 4% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.92% | 1.19% | 1.47% | Beats 5% | 128 / 135 | |
| Return on Equity | 4.38% | 7.99% | 10.26% | 13.14% | Beats 6% | 127 / 135 | |
| Net Interest Margin | 3.31% | 2.95% | 3.41% | 3.73% | Beats 41% | 80 / 135 | |
| Efficiency Ratio | 84.12% | 50.61% | 57.35% | 63.29% | Beats 4% | 130 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.03% | 0.51% | 1.26% | Beats 58% | 57 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 49% | 69 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 14.85% | 11.23% | 13.31% | 15.45% | Beats 67% | 45 / 135 | |
| Total Risk-Based Capital Ratio | 16.03% | 11.61% | 14.06% | 16.47% | Beats 70% | 41 / 135 | |
| Equity / Assets | 10.40% | 9.87% | 11.05% | 13.07% | Beats 39% | 83 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 74.06% | 68.54% | 81.55% | 91.24% | 34th pctl | 88 / 134 | |
| Loans / Assets | 64.54% | 57.61% | 68.06% | 76.23% | 42nd pctl | 78 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |