# FIRST SECURITY BANK
MAPLETON, IA · FDIC certificate 251 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $65.2M | |
| Deposits | $54.7M | |
| Loans and leases | $32.7M | |
| Total equity | $10.3M | |
| Loans / deposits | 58.77% (p29 of band) | 73.59% |
| Liquid assets / assets | 41.49% (p66 of band) | |
| Uninsured deposits / deposits | 18.13% (p44 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.25% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | -11.61% (p37 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 1.29% (p58 of band) | 1.17% |
| Net interest margin | 4.06% (p57 of band) | 3.93% |
| Efficiency ratio | 66.99% (p53 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 62% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.4M (4.25% of loans; DQ 0.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.4% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 3 | assets shrinking |  |
| 2014-06 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2017-03 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2017-06 | 2 | deposits shrinking, assets shrinking |  |
| 2017-09 | 2 | uninsured deposits leaving | assets shrinking |
| 2017-12 | 1 |  | uninsured deposits leaving |
| 2018-03 | 0 |  | deposits shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 0 |  | uninsured deposits leaving |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 |  | deposits shrinking, capital falling, uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling, losing money | assets shrinking |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 2 | deposits shrinking, uninsured deposits leaving | securities losses >30% of equity, capital falling |
| 2024-12 | 4 | losing money, assets shrinking |  |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 3 | capital falling | uninsured deposits leaving |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 0 |  | deposits shrinking, assets shrinking |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [Iowa Ag Sec. Naig visits Floyd County; talks pipelines, markets, and impacts of Iran conflict on farmers - kttc.com](https://news.google.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?oc=5) · kttc.com
- 2026-04-07 [Brodersen named President/CEO of First Security Bank - The Mapleton Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNdjZ2OGtNYWpSU3M4R0laU0h1aGQzbXJXVWQ3em1vZ0dlUlU4MkxFWllOeGQ1QjhPNlh2N0Y3V1pMTlNaWER3STJOZG91YTl6SlFOMkdZVFBtdkhkWktGUXI2SkhZb1FKazVrLU1SSW5YdGd4ZEkzWUhEZE81V216U05NTGlSaU0wSnBaNnU5Qk5pUjBDU2VucVpYVQ?oc=5) · The Mapleton Press
- 2023-05-08 [Iowa Motion Picture Awards turns the spotlight on First Security Bank & Trust - kimt.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNTVF1eVpUNnN3U3lDQW45TUdsd2pvdGtfTFRTbnBWS2UxUmJHODJxUTdvSnpxT3NMN2ZOU05HbFFRZktPYlhoaTloSktzcjhZN0Z5el8xMnptWXIxV2g4WjFlcm1CcXFma2llWlRwNUE2REFuLXNlSVVqV0pROTFpdGhTaDZRdGVrdUF4YkZuNkFGRUtKZHVLWmItb1VQeHh5eVcwV0RCSldrdFVLdlZKOVJnV184bzhOSklXNDFtNWd0NkNHN0pqa0tsOTdmeTVLM1hPNW80Mm9YMFNUdWNuY2xrREM4UQ?oc=5) · kimt.com
- 2024-04-05 [Missoula's First Security Bank giving over $800K to local non-profits - KPAX News](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQVd6UFBEcTQ3cE1mR3ZsVlplNGdBOERnRkZMdlVoRjZyMk1PNDdOdEYyeWMyMWJNZFYwLTBWQjV6c3Q2bFNiUDBEclNNdGplcnZRTVJ0c0hDekh2bjdBSTRzNmphNEZFX1pnUFp1NV9pSEozanAwbnBFTDlfSk1OZ3hlZ1gyNnNTcEtaWDlSekwtMWJUVnBhc0dZQ1ROSGpkS3NR?oc=5) · KPAX News
- 2024-01-22 [New President and CEO at First Security Bank & Trust - kimt.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxPSVNCcU9TaHFUdGtDcWFBcUlhSVQ3bHA4SVRITmRGbnRGa1Zvd01TZzJzc3d5N1hiSTRjeEJIMW9XaEFBSVlSZ3VUMmFfclR3RGw2Qms1NU9NME5HWjdwMGhieWtqWDFMSWxEQVZkQkFCSVJMMTZtc0hUaHN6THBDSlJjajc4WFQ1N21mNkVnNWpkbHo0bmpxQ3lnSXBZYUE4ZFh6RndXT3E5S0ltbFhiYVdXaW5VNm5HaWs3WVcycEt4Uk9f?oc=5) · kimt.com
- 2022-08-30 [Former bank president pleads guilty to defrauding Beulah and Glen Ullin banks - KFYR-TV](https://news.google.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?oc=5) · KFYR-TV
- 2023-02-16 [Four sentenced for bank fraud in ND - Valley News Live](https://news.google.com/rss/articles/CBMie0FVX3lxTE5VZXhWNGxTV05wN0ZNZHRuM2VJVzVPU2ltdndIanhBTTVra2lwcUEzSFNvM1hxV2lFODNjY2pTVDhsMnB5U2R4bk1icGtsU3pyUVh0V3M5UTE0el92VlB3SXc4alpIM2EtQWp0WU9HSUltQ0hlVWo4eEstZ9IBjwFBVV95cUxQOFEydHJBMTdFMDUtYkNaMFhjcTZkSWticDdGVDFoeWdNcElLU3ZJMEdkNGs5WDRlX0VTMFRKREY4cWtKMmdBUjhYSkhtcjZWaGh0cXNaeHJKUklmTjkxVVh0MTZJMEFCRlJ1NmlrTFFGRHd2VWFxRHktZHJlSk9rNHVORG02emVsMWFTUV9TMA?oc=5) · Valley News Live
- 2018-01-29 [Iowa woman accused of stealing from bank, bank customer - news8000.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOdHJDVG5fbk9EY0paODNBUlpJT2ZTVU4zdDlkS1hOaDY4MlhENW5PNTRiRjlLa2dsMGpTRTVsWjdNQ1MtQ2RsQXM1dkFqcjNiTDVtYWxBb20tYkRJcXAwVHFJeGZFX3BCNklJOEczX2t5a1lfOUZGbGNHNzNmVy1WZlBJbEpKT25sZFpfNk54TEtDTEpQU1B6SXM0VXZBd19jMkJISkhLb25yaVNpOWlkQ3ItbEU4M1lJQm9aMVRiUHhwbzluZ19QejVNUXg1ZmFudUR0Y2dEUQ?oc=5) · news8000.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=251 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "251", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide