BlastPoint's Banking Scorecard
First Security Bank
Designations: ✓ Community bank
Mapleton, IA
First Security Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.3M
-1.3% YoY
+3.4% QoQ
|
-$154.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$37.5M
-6.4% YoY
+9.1% QoQ
|
-$101.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$53.2M
-2.7% YoY
+4.5% QoQ
|
-$130.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.28%
+529.3% YoY
-65.8% QoQ
|
-0.80% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.60%
+7.4% YoY
+2.2% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
69.79%
+1.0% YoY
+2.7% QoQ
|
+2.06% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
70.52%
-3.8% YoY
+4.4% QoQ
|
-4.01% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.67%
+3.0% YoY
+8.7% QoQ
|
+2.28% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.61%
+0.0% YoY
-13.3% QoQ
|
+7.75% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.54%
+41.5% YoY
+19.8% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Concerns (0)
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%