BlastPoint's Banking Scorecard
First Security Bank and Trust Company
Charles City, IA
11 branches across IA
First Security Bank and Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 25.7% in tier
- - Efficiency Ratio 22.70% above tier average
- - ROA 0.80% below tier average
- - Net Interest Margin 0.49% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$549.8M
-4.0% YoY
-1.5% QoQ
|
+$163.7M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$349.1M
-3.8% YoY
+0.1% QoQ
|
+$93.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$477.8M
-6.6% YoY
-0.4% QoQ
|
+$149.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
0.47%
+200.5% YoY
-19.5% QoQ
|
-0.80% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
3.44%
+9.8% YoY
+2.6% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
87.99%
-8.1% YoY
+0.8% QoQ
|
+22.70% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.8% in tier |
| Delinquency Rate ? |
0.18%
-16.2% YoY
-2.0% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
73.07%
+3.0% YoY
+0.5% QoQ
|
-3.57% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
15.88%
+2.8% YoY
-4.8% QoQ
|
-6.14% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.12%
-18.6% YoY
-0.4% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
14.43%
+12.3% YoY
+0.7% QoQ
|
-1.40% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.14%
-0.6% YoY
-76.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
69% |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.