First Security Bank of Missoula

Headquarters

1704 Dearborn Avenue
Missoula, MT 59801
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Security Bank of Missoula is an FDIC insured institution located in Missoula, MT. It was founded in 1973 and has approximately $1.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 21010
Date Established 1973
Assets $ 1,117.44 million
Loans $ 541.55 million
Deposits $ 733.56 million
Capital $ 139.24 million
 

For a more detailed analysis of First Security Bank of Missoula's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Security Bank of Missoula

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Note to First Security Bank of Missoula
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Branches

First Security Bank of Missoula branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Security Bank of Missoula Locations


Financial Details

First Security Bank of Missoula Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Security Bank of Missoula. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Security Bank of Missoula U.S. Bank Average
27.38% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Security Bank of Missoula had $29,640,000 in non-current loans and $14,956,000 in owned real estate. To cover these potential losses it had $139,244,000 in equity and $23,636,000 in loans loss reserves. That gives it a Texas Ratio of 27.38%.

Return on Equity
First Security Bank of Missoula U.S. Bank Average
7.98% 7.80%

First Security Bank of Missoula has a Return on Equity of 7.98% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Security Bank of Missoula U.S. Bank Average
12.46% 12.68%

First Security Bank of Missoula has a Capitalization of 12.46% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Security Bank of Missoula Balance Sheet Analysis

As of March 31, 2012, First Security Bank of Missoula had assets of $1,117,436,000, loans of $541,551,000, and deposits of $733,556,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 541.55 million
Loan loss allowance $ 23.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 14.96 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 733.56 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 1,117.44 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Security Bank of Missoula’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First Security Bank of Missoula’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About First Security Bank Of Missoula

Branches and Savings

Is First Security Bank Of Missoula FDIC insured?

Yes. It is covered under FDIC Certificate #21010.

Why does First Security Bank Of Missoula pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Security Bank Of Missoula CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Security Bank Of Missoula a commercial bank?

Yes

Where are First Security Bank Of Missoula locations?

See branch locations nearby.

Is First Security Bank Of Missoula open on Saturdays?

Is First Security Bank Of Missoula open on Sundays?

What time does First Security Bank Of Missoula open?

What time does First Security Bank Of Missoula close?

Are First Security Bank Of Missoula ATMs Open 24/7?

Do First Security Bank Of Missoula ATMs accept cash deposits?

Can First Security Bank Of Missoula customers use other ATMs?

Do First Security Bank Of Missoula branches have notaries?

Will First Security Bank Of Missoula notarize my document?

What address for First Security Bank Of Missoula should I put for incoming ACH transfers?

Will the First Security Bank Of Missoula branch print checks?

Do First Security Bank Of Missoula checks expire?

Does First Security Bank Of Missoula require US citizenship to open account?

Can First Security Bank Of Missoula close my account?

Does First Security Bank Of Missoula Report to credit bureaus?

Does First Security Bank Of Missoula Use Equifax?

What is First Security Bank Of Missoula's ACH Routing Number?

What is First Security Bank Of Missoula's SWIFT code?

Products

Does First Security Bank Of Missoula offer mortgages?

Compare mortgage rates here.

Does First Security Bank Of Missoula offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Security Bank Of Missoula offer personal loans?

Compare personal loan rates here.

Does First Security Bank Of Missoula offer student loans?

Will First Security Bank Of Missoula cash a check?

Will First Security Bank Of Missoula redeem a savings bond?

Does First Security Bank Of Missoula cash savings bonds?

Will First Security Bank Of Missoula cash money orders?

Can First Security Bank Of Missoula issue a money order?

Does First Security Bank Of Missoula do currency exchange?

Background on The Bank

Who owns First Security Bank Of Missoula?

How long has First Security Bank Of Missoula been around?

Can First Security Bank Of Missoula transfer to other banks?

Does First Security Bank Of Missoula have quick pay?

Does First Security Bank Of Missoula accept rolled coins?

Will First Security Bank Of Missoula accept loose change?

Where is First Security Bank Of Missoula headquarters?

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