BlastPoint's Banking Scorecard
First Security Bank and Trust Company
Community
Specialty: Agricultural
IA
FDIC cert 1852
Charles City, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
First Security Bank and Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16% in Community
- - Flatlined Growth: Bottom 17% in Community
- - Efficiency Drag: Bottom 75% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.1M
+0.7% YoY
+2.5% QoQ
|
-$833.4M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$348.7M
-1.3% YoY
+1.3% QoQ
|
-$626.8M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$479.7M
-1.5% YoY
+0.0% QoQ
|
-$684.9M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.58%
+75.5% YoY
+11.5% QoQ
|
-0.58% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.35%
+12.6% YoY
+1.6% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
87.32%
-8.8% YoY
-2.1% QoQ
|
+24.69% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.19%
+35.7% YoY
+15.9% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
72.69%
+0.3% YoY
+1.3% QoQ
|
-10.38% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
16.67%
+4.6% YoY
+9.2% QoQ
|
-4.37% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.12%
+33.1% YoY
+14.5% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.33%
+10.1% YoY
+1.3% QoQ
|
+4.09% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.58%
-1.2% YoY
+28.7% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#131 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#42 of 245 · Bottom 17% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.58%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Efficiency Drag
risk
#114 of 152 · Bottom 75% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.32%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.33% · Tier avg: 10.24%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.67% · Tier avg: 21.05%
24
24th pctile
Loan-to-Deposit Ratio
Current: 72.69% · Tier avg: 83.06%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
10
10th pctile
Total Deposits
Current: $479.7M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $558.1M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $348.7M · Tier avg: $975.5M
5
5th pctile
Efficiency Ratio
Current: 87.32% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 87.32% · Tier avg: 62.63%
8
8th pctile
Total Loans
Current: $348.7M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $558.1M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $479.7M · Tier avg: $1.2B
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
24
24th pctile
Loan-to-Deposit Ratio
Current: 72.69% · Tier avg: 83.06%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.67% · Tier avg: 21.05%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.33% · Tier avg: 10.24%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%