🏦Bank Scorer

FIRST SECURITY BANK AND TRUST COMPANY

CHARLES CITY, IA · Supervised by FDIC

Est. 1903FDIC #1,852RSSD: FDIC-1852
Part ofCEDAR VALLEY BANKSHARES LTD→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

809 Clark St, CHARLES CITY, IA

County

Floyd County

Established

July 14, 1903

Total Assets

$550M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$550M

Total Deposits

$478M

Net Loans

$349M

Net Income

$650K

ROA

0.47%

ROE

4.71%

Risk-Based Capital

15.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$489M

1-Year Change

0

5-year net change: -3 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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