First Security Bank and Trust Company
Charles City, IA
IDRSSD: 894544
Total Assets
$558.09M
Latest filing
Total Deposits
$479.71M
Latest filing
Net Interest Margin
3.55%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Security Bank and Trust Company
809 Clark St
Charles City, IA 50616
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/14/1903FDIC Certificate 1233
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Security Bank and Trust Company (Main) | 809 Clark St | Charles City, IA |
| THORNTON BRANCH | 308 Main St | Thornton, IA |
| ROCKWELL BRANCH | 319 Main St E | Rockwell, IA |
| IONIA DRIVE THRU BRANCH | 404 W Main St | Ionia, IA |
| DRIVE-IN BRANCH | 220 1st St Nw | Hampton, IA |
| DUMONT BRANCH | 511 Main St | Dumont, IA |
| RICEVILLE BRANCH | 109 Woodland Ave | Riceville, IA |
| NORA SPRINGS BRANCH | 26 W Congress St | Nora Springs, IA |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/14/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50616 |
| State and County Number | 19067 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 108 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1stsecurity.bank |
| Data Updated | 01/30/2026 |
| CERT | 1852 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $558.09M |
| Total Deposits | $479.71M |
| Total Liabilities | $502.70M |
| Total Equity Capital | $55.38M |
| Net Income | $1.06M |
| Net Loans and Leases | $348.68M |
| Assets Per Employee ($Millions) | $5.26M |
| Bank Premises and Fixed Assets | $4.81M |
| Cash and Balances due from Depository Institutions | $48.58M |
| Deposits Held in Domestic Offices | $479.71M |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 7.81% |
| Net Interest Margin | 3.55% |
| Efficiency Ratio | 82.1% |
| Tier 1 Risk-Based Capital Ratio | 14.329% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.924% |
| Earning Assets to total Assets | 92.65% |
Income and Expense
| Total Interest Income | $6.21M |
| Total Noninterest Income | $788.00k |
| Total Interest Expense | $1.68M |
| Total Noninterest Expense | $4.37M |
| Net Interest Income | $4.53M |
| Pre-tax Net Operating Income | $1.10M |
| Provision for Credit Losses | $-144,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $318.00k |
| Federal Funds Purchased and Repurchased Agreement | $18.98M |
| All Other Liabilities | $4.02M |
| Total Liabilities and Capital | $558.09M |
Securities
| Securities | $128.09M |
| Available-for-sale debt securities | $127.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Security Bank and Trust Company?
$558.09M as of the latest filing.
How much are First Security Bank and Trust Company's total deposits?
$479.71M in total deposits.
Where is First Security Bank and Trust Company located?
Charles City, IA.
What is the Net Interest Margin?
3.55%.
How many domestic offices does it operate?
11.
When was it established?
07/14/1903.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$348.68M (latest filing).
What is the total interest income (latest filing)?
$6.21M.