First Security Bank of Owensboro

First Security Bank of Owensboro is headquartered in Owensboro and is the 31^st largest bank in the state of Kentucky. It is also the 1,564^th largest bank in the nation. It was established in 1997 and as of December of 2012, it had grown to 130 employees at 11 locations. First Security Bank of Owensboro has a 4-star health rating.

First Security Bank of Owensboro Routing Number: 083908174

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Data for Q4 2012

Institution Statistics First Security Bank of Owensboro, Inc. FDIC Certificate # 34524 BankRate Report View Year Established 1997 Employees 130 Primary Regulator FDIC Assets and Liabilities Assets $427.63 million Loans $306.11 million Deposits $368.29 million Equity Capital $41.19 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $5.41 million Real Estate Owned $536,000 Historic Data - December 2011 Assets $368.58 million Equity Capital $38.46 million Loan Loss Allowance $2.72 million Unbacked Noncurrent Loans $3.76 million Real Estate Owned $1.73 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.8% Return on Equity 7.97% Interest Income $18.51 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 First Security Bank of Owensboro had $5.94 million in non-current loans and owned real-estate with $44.27 million in equity and loan loss allowances on hand to cover it. This gives First Security Bank of Owensboro a Texas Ratio of 13.42% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Security Bank of Owensboro held steady from 13.34% as of December 31, 2011 to 13.42% as of December 31, 2012, resulting in a negative change of 0.60%. This indicates that the balance sheet and financial strength for First Security Bank of Owensboro has held steady in recent periods. Deposit Growth In the past year, First Security Bank of Owensboro has increased its total deposits by $60.22 million, resulting in 19.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Security Bank of Owensboro has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Security Bank of Owensboro has $427.62 million in assets with $44.27 million in equity, resulting in a capitalization level of 10.35%, which is above average.