First Security Bank & Trust

Overview / Commentary
809 Clark Street
Charles City, IA 50616

First Security Bank & Trust is headquartered in CHARLES CITY and is the 48th largest bank in the state of Iowa. It is also the 1,615th largest bank in the nation. It was established in 1903 and as of March of 2024, it had grown to 110 employees at 11 locations. First Security Bank & Trust's savings rates are 4X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #1852
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD8.53%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$568.5MM$603MM
LoansQ1 2024vs Q1 2023$358.2MM$377.5MM
DepositsQ1 2024vs Q1 2023$510.2MM$514.5MM
Equity CapitalQ1 2024vs Q1 2023$45.3MM$40.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$5.6MM$7.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4MM$555K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Security Bank & Trust Savings Account Rates

2.17%*$500k*-Investor's Advantage Savings
OTHER TIERS: 0.34% $0 - $25k | 0.66% $25k - $50k | 0.88% $50k - $100k | 1.91% $100k - $250k | 2.06% $250k - $500k
1.19%*$0$15kKasasa Saver
OTHER TIERS: 0.08% $15k+

First Security Bank & Trust Checking Account Rates

1.59%*$0$15kKasasa Cash
OTHER TIERS: 0.06% $15k+

First Security Bank & Trust CD Rates

2.34%$2.5k-60 Month CD
2.24%$2.5k-48 - 59 Month CD
2.13%$2.5k-36 - 47 Month CD
2.03%$2.5k-24 - 35 Month CD
1.83%$2.5k-12 - 23 Month CD
1.58%$2.5k-6 - 11 Month CD
1.07%$2.5k-3 - 5 Month CD


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