First Security Bank&Trust Co (FDIC #1852): Bank Stress & Real-Estate Credit Exposure
First Security Bank&Trust Co (FDIC Cert #1852): bank stress 78/100, severe, STABLE over 7 days; parent CEDAR VALLEY BANKSHARES LTD.
First Security Bank&Trust Co (#1852) lends in 5 counties across 1 state; First Security Bank&Trust Co (#1852) reaches 54 ZIP codes: Iowa 5 counties, 54 ZIPs.
First Security Bank&Trust Co (#1852) largest markets: Franklin County, IA (38 branches, 19 ZIPs) (#1852), Cerro Gordo County, IA (17 branches, 17 ZIPs) (#1852), Floyd County, IA (39 branches, 13 ZIPs) (#1852), Mitchell County, IA (12 branches, 12 ZIPs) (#1852), Worth County, IA (10 branches, 10 ZIPs) (#1852).
First Security Bank&Trust Co (#1852) reports $538.2 million in total assets; First Security Bank&Trust Co (#1852) equity $56.0 million (10.4% of First Security Bank&Trust Co (#1852) assets); First Security Bank&Trust Co (#1852) domestic deposits $469.0 million; First Security Bank&Trust Co (#1852) net income $1.5 million; First Security Bank&Trust Co (#1852) return on assets 0.56%; First Security Bank&Trust Co (#1852) return on equity 5.55%; First Security Bank&Trust Co (#1852) net interest income $9.0 million; First Security Bank&Trust Co (#1852) call report June 30, 2026.
First Security Bank&Trust Co (#1852) noncurrent real-estate loans: none reported; First Security Bank&Trust Co (#1852) net charge-offs on real estate 0.14%; First Security Bank&Trust Co (#1852) commercial charge-offs 100.00%; First Security Bank&Trust Co (#1852) residential charge-offs 0.41%.
First Security Bank&Trust Co (#1852) net interest margin 3.55% against an eight-quarter First Security Bank&Trust Co (#1852) average of 3.24% (First Security Bank&Trust Co (#1852) compression -0.31 points); First Security Bank&Trust Co (#1852) commercial real estate 10000.0% of equity; First Security Bank&Trust Co (#1852) non-residential real estate 41.0% of equity; First Security Bank&Trust Co (#1852) rate-exposure score 90/100, First Security Bank&Trust Co (#1852) fixed-rate trap 90/100; First Security Bank&Trust Co (#1852) risk type cre heavy; First Security Bank&Trust Co (#1852) rate regime rates elevated, First Security Bank&Trust Co (#1852) snapshot October 19, 2026.
First Security Bank&Trust Co (#1852) stress score moved from 79.4 on June 22, 2026 to 77.9 on October 20, 2026; First Security Bank&Trust Co (#1852) ranged 77.9 to 79.4 over 117 snapshots.
First Security Bank&Trust Co (#1852) alerts: 5 counties; top First Security Bank&Trust Co (#1852) alert scores: Hampton County, IA 25 (low); Manly County, IA 25 (low); Riceville County, IA 25 (low); Rockford County, IA 25 (low); Rockwell County, IA 25 (low).