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First Security Bank And Trust Company
Charles City, IA · FDIC Certificate #1852 · Chartered 07/1
Total assets
$538.20M
Total deposits
$469.01M
Total equity
$55.97M
Net loans
$343.05M
Branches (offices)
8
Net income (YTD)
$1.54M
Rank: #1,697 of 4,213 U.S. banks by assets · #56 of 225 in Iowa. Assets changed -2.0% and deposits -4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.56% |
| Return on equity | 5.55% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 10.40% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 21.7% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 73.1% |
| Real estate loans (share of loans) | 75.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $258.99M | 75.5% | |
| Commercial & industrial | $23.21M | 6.8% | |
| Consumer / individual | $7.30M | 2.1% | |
| Construction & development | $6.45M | 1.9% | |
| Agricultural | $47.73M | 13.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $607.80M | $540.75M | $2.20M | $48.16M |
| Jun 2023 | $576.35M | $503.05M | -$499.00K | $42.61M |
| Jun 2024 | $552.99M | $495.16M | $1.13M | $45.47M |
| Jun 2025 | $549.34M | $488.69M | $1.53M | $51.49M |
| Jun 2026 | $538.20M | $469.01M | $1.54M | $55.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $469.01M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $469.01M.
Similar-sized banks
Community Bank Mankato ($538.32M) · Bank Of Dudley ($537.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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