| Metric | First Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.0% | -5.7 pts |
| Deposit growth (YoY) | -3.4% | +2.5% | -5.9 pts |
| Loan growth (YoY) | -6.1% | +2.6% | -8.7 pts |
| ROA | 1.29% | 0.99% | +0.3 pts |
| ROE | 8.4% | 8.1% | +0.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.2M | $54.7M | $32.1M | $10.3M | $423K | 1.29% | 4.06% | 0.00% |
| Q1 2026 | $67.6M | $57.4M | $35.3M | $10.0M | $221K | 1.35% | 4.03% | 0.00% |
| Q4 2025 | $63.3M | $53.2M | $37.5M | $9.9M | $183K | 0.28% | 3.60% | 0.00% |
| Q3 2025 | $61.3M | $50.9M | $34.4M | $10.1M | $404K | 0.83% | 3.52% | 0.00% |
| Q2 2025 | $67.1M | $56.6M | $34.2M | $10.1M | $201K | 0.61% | 3.35% | 0.00% |
| Q1 2025 | $67.7M | $57.7M | $36.1M | $9.7M | $118K | 0.72% | 2.63% | 0.00% |
| Q4 2024 | $64.2M | $54.6M | $40.1M | $9.2M | $-47K | -0.07% | 3.35% | 0.00% |
| Q3 2024 | $67.3M | $55.2M | $38.8M | $9.7M | $376K | 0.69% | 3.29% | 0.00% |
Loan mix (Q2 2026): real estate $20.2M · commercial $965K · consumer $2.5M · securities $16.6M
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.99% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 8.1% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 70.8% | 41st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $54.7M branch deposits. Biggest market: Monona, IA, ranked 5th with 9.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monona, IA | 1 | $37.8M | 9.40% | 5th |
| Woodbury, IA | 1 | $16.9M | 0.44% | 23rd |
Iowa: 282nd with 0.03% · Sioux City metro: 30th, 0.33% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).