FSB BANCSHARES INC is the bank holding company. FIRST SECURITY BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FSB BANCSHARES INC

Legal name: FSB BANCSHARES, INC.

1 active bank · $248M combined assets

RSSD ID: 3602058 (FFIEC NIC)

Combined Assets

$248M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST SECURITY BANK AND TRUST COMPANYOKLAHOMA CITY, OKSatisfactory$248MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$248M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$202M

Net Income

$585K

ROA (avg)

0.93%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

191

Origination Rate

82.2%

Denial Rate

2.62%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST SECURITY BANK AND TRUST COMPANY	OKLAHOMA CITY, OK	FDIC	$248M	100.0%	Satisfactory	Aug 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.