BlastPoint's Banking Scorecard

First Security Bank and Trust Company

$100M-$1B Specialty: Agricultural IA FDIC cert 1852

Charles City, IA

8 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits -4.0% year over year ($469.0M on the books).
Delinquency rate 0.28%.
Return on assets 0.56%.
Efficiency ratio 84.12% vs a 64.48% peer average.
Loan-to-deposit ratio 73.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

First Security Bank and Trust Company has 1 strength but faces 5 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

+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.8% in tier
- Efficiency Drag: Bottom 31.0% in tier
- Deposit Outflow: Bottom 38.9% in tier
- ROA 0.76% below tier average
- Net Interest Margin 0.44% below tier average

Get updates when First Security Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$538.2M -2.0% YoY -2.1% QoQ	+$151.6M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$343.0M -1.4% YoY -1.7% QoQ	+$84.7M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$469.0M -4.0% YoY -1.8% QoQ	+$142.3M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	0.56% +2.3% YoY +19.4% QoQ	-0.76%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Bottom 14.0% in tier
Net Interest Margin ?	3.55% +9.1% YoY +3.1% QoQ	-0.44%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	84.12% -6.4% YoY -4.4% QoQ	+19.64%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Bottom 9.8% in tier
Delinquency Rate ?	0.28% +148.5% YoY +53.0% QoQ	-0.64%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	73.14% +2.7% YoY +0.1% QoQ	-4.81%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	16.06% +3.8% YoY +1.1% QoQ	-5.98%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.18% +150.1% YoY +53.6% QoQ	-0.49%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	14.85% +8.9% YoY +2.9% QoQ	-1.06%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.29% -3.5% YoY +108.7% QoQ	-0.28%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Noninterest-Bearing	16.1% +0.6pp YoY +0.2pp QoQ	-6.1pp	22.1%	17.8%	22.2%	27%
Brokered Deposits	2.7% -3.0pp YoY 0.0pp QoQ	-5.2pp	7.9%	6.0%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	6.8% -1.4pp YoY +0.3pp QoQ	-4.8pp	11.6%	12.8%	12.5%	31%
CRE	20.7% -3.2pp YoY -0.9pp QoQ	-18.9pp	39.5%	28.3%	41.4%	19%
1-4 Family	28.9% +2.7pp YoY +1.0pp QoQ	-3.7pp	32.6%	23.0%	31.3%	49%
Consumer	2.1% -0.1pp YoY 0.0pp QoQ	-2.0pp	4.1%	2.9%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	14.8% +1.2pp YoY +0.4pp QoQ	-4.0pp	18.8%	15.4%	19.7%	48%
Leverage Ratio	10.0% +0.7pp YoY +0.1pp QoQ	-2.1pp	12.2%	12.4%	12.6%	32%
Total Capital Ratio	16.0% +1.2pp YoY +0.5pp QoQ	-3.9pp	19.9%	16.5%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	103 -6 (-5.5%) YoY -3 (-2.8%) QoQ	+44	58	64	482	88%
Assets per Employee ($)	$5.2M +3.7% YoY +0.7% QoQ	-$2.3M	$7.5M	$8.9M	$8.8M	18%
Branch Count	8 -3 (-27.3%) YoY 0 QoQ	+3	4	5	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY +0.1pp QoQ	-0.7pp	0.9%	1.0%	1.0%	36%
Allowance Coverage	4.51x -60.5% YoY -30.6% QoQ	-19.64x	24.15x	18.97x	20.23x	68%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	5.5% -0.7pp YoY +0.8pp QoQ	-6.6pp	12.2%	12.8%	11.6%	15%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.8%	1.7%	21%
Net Income ($, YTD)	$1.5M +0.5% YoY — QoQ	-$1.0M	$2.6M	$4.0M	$40.4M	42%

Get Full Access to First Security Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Credit Quality Pressure

risk

#363 of 1256 • Bottom 28.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.28%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Efficiency Drag

risk

#113 of 361 • Bottom 31.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.12%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#209 of 535 • Bottom 38.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

613

Total Deposits

size

Value: $469.01M

Peer Median: $326.73M

#613 of 2643 Top 23.2% in $100M-$1B

657

Total Assets

size

Value: $538.20M

Peer Median: $386.57M

#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (2 metrics)

2385

Efficiency Ratio

profitability

Value: 84.12%

Peer Median: 64.48%

#2385 of 2643 Bottom 9.8% in $100M-$1B

2274

Return on Assets

profitability

Value: 0.56%

Peer Median: 1.32%

#2274 of 2643 Bottom 14.0% in $100M-$1B