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First Security State Bank

under $100M Specialty: Commercial IA FDIC cert 18508

Designations: ✓ Community bank

Evansdale, IA

2 branches across IA

537 banks in the under $100M peer group nationally 33 in IA
View under $100M leaderboard (IA) →

First Security State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.15% above tier average
  • + Efficiency Ratio 15.66% below tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 1.35% above tier average
  • - Net Interest Margin 0.20% below tier average
  • - Delinquency Rate 1.76% above tier average
Get updates when First Security State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $87.0M
-4.5% YoY -0.8% QoQ
+$24.8M $62.3M
-0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.0% YoY
82%
Total Loans ? $59.2M
+1.0% YoY -1.3% QoQ
+$24.9M $34.3M
-1.5% YoY
$379.9M
+5.0% YoY
$3.2B
+10.7% YoY
Top 12.3% in tier
Total Deposits ? $74.0M
-6.0% YoY -1.3% QoQ
+$22.2M $51.8M
-0.6% YoY
$469.6M
+4.4% YoY
$4.8B
+8.0% YoY
81%
Return on Assets ? 1.00%
+19.7% YoY +20.8% QoQ
+0.15% 0.86%
-3.6% YoY
1.31%
+22.6% YoY
1.24%
+13.1% YoY
53%
Net Interest Margin ? 3.67%
+8.7% YoY +1.5% QoQ
-0.20% 3.87%
+2.7% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
41%
Efficiency Ratio ? 71.97%
-4.0% YoY -1.2% QoQ
-15.66% 87.63%
+2.3% YoY
58.40%
-7.6% YoY
66.84%
-3.8% YoY
48%
Delinquency Rate ? 3.12%
+8.6% YoY +7.0% QoQ
+1.76% 1.36%
+33.7% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
Bottom 12.0% in tier
Loan-to-Deposit Ratio ? 79.90%
+7.5% YoY -0.0% QoQ
+15.79% 64.11%
-0.9% YoY
77.40%
+1.1% YoY
76.69%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 17.70%
-3.9% YoY -11.7% QoQ
-6.08% 23.79%
+0.5% YoY
17.87%
+0.7% YoY
22.01%
-1.1% YoY
32%
Nonperforming Asset Ratio ? 2.12%
+14.8% YoY +6.5% QoQ
+1.35% 0.77%
+28.7% YoY
0.58%
+11.7% YoY
0.66%
+19.3% YoY
Bottom 9.3% in tier
Tier 1 Capital Ratio ? 14.66%
+6.5% YoY +2.4% QoQ
-12.11% 26.77%
+2.0% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.06%
+4.7% YoY -72.2% QoQ
-0.62% 0.67%
+1.6% YoY
0.12%
+10.7% YoY
0.32%
+4.0% YoY
47%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 537 peers in under $100M

Top Strengths (3 metrics)

67
Total Loans
size
Value: $59.16M
Peer Median: $34.29M
#67 of 537 Top 12.3% in under $100M
98
Total Assets
size
Value: $87.04M
Peer Median: $62.28M
#98 of 537 Top 18.1% in under $100M
105
Total Deposits
size
Value: $74.04M
Peer Median: $51.83M
#105 of 537 Top 19.4% in under $100M

Top Weaknesses (2 metrics)

488
Nonperforming Asset Ratio
credit_quality
Value: 2.12%
Peer Median: 0.77%
#488 of 537 Bottom 9.3% in under $100M
456
Delinquency Rate
credit_quality
Value: 3.12%
Peer Median: 1.36%
#456 of 517 Bottom 12.0% in under $100M
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