First Security Bank & Trust Company

Headquarters

201 East Main Street
Norton, KS 67654
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Security Bank & Trust Company is an FDIC insured institution located in Norton, KS. It was founded in 1887 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4741
Date Established 1887
Assets $ 59.87 million
Loans $ 30.16 million
Deposits $ 49.78 million
Capital $ 8.00 million
 

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

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

 

Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for First Security Bank & Trust Company

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




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
IHL Direct
NMLS ID: 257476
2.884% 2.750% 0.75 $4,368 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to First Security Bank & Trust Company
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Branches

First Security Bank & Trust Company 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:
San Diego,California


First Security Bank & Trust Company Locations


Financial Details

First Security Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Security Bank & Trust Company. 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 & Trust Company U.S. Bank Average
3.83% 5.49%

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 December 31, 2020, First Security Bank & Trust Company had $139,000 in non-current loans and $200,000 in owned real estate. To cover these potential losses it had $7,995,000 in equity and $850,000 in loans loss reserves. That gives it a Texas Ratio of 3.83%.

Return on Equity
First Security Bank & Trust Company U.S. Bank Average
0.57% 9.24%

First Security Bank & Trust Company has a Return on Equity of 0.57% versus the BestCashCow average of 9.24%. 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 & Trust Company U.S. Bank Average
13.36% 11.96%

First Security Bank & Trust Company has a Capitalization of 13.36% versus the BestCashCow average of 11.96. 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 & Trust Company Balance Sheet Analysis

As of June 30, 2014, First Security Bank & Trust Company had assets of $59,865,000, loans of $30,161,000, and deposits of $49,778,000. 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

December 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 $ 30.16 million
Loan loss allowance $ 0.85 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.20 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 49.78 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 $ 59.87 million

Summary Income Statement

December 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 & Trust Company’s loan portfolio are Commercial Real Estate, Small Business Loans, and Farm Loans.

Compared to other banks in Kansas, First Security Bank & Trust Company has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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 3.74
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.09
Small Business Loans 25.47
Construction and Development Loans 0.00
Commercial Real Estate 40.78
Commercial and Industrial Loans 11.43
Farm Loans 19.32

Frequently Asked Questions About First Security Bank & Trust Company

Branches and Savings

Is First Security Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #4741.

Why does First Security Bank & Trust Company 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 & Trust Company CD rates not competitive?

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

Is First Security Bank & Trust Company a commercial bank?

Yes

Where are First Security Bank & Trust Company locations?

See branch locations nearby.

Is First Security Bank & Trust Company open on Saturdays?

Is First Security Bank & Trust Company open on Sundays?

What time does First Security Bank & Trust Company open?

What time does First Security Bank & Trust Company close?

Are First Security Bank & Trust Company ATMs Open 24/7?

Do First Security Bank & Trust Company ATMs accept cash deposits?

Can First Security Bank & Trust Company customers use other ATMs?

Do First Security Bank & Trust Company branches have notaries?

Will First Security Bank & Trust Company notarize my document?

What address for First Security Bank & Trust Company should I put for incoming ACH transfers?

Will the First Security Bank & Trust Company branch print checks?

Do First Security Bank & Trust Company checks expire?

Does First Security Bank & Trust Company require US citizenship to open account?

Can First Security Bank & Trust Company close my account?

Does First Security Bank & Trust Company Report to credit bureaus?

Does First Security Bank & Trust Company Use Equifax?

What is First Security Bank & Trust Company's ACH Routing Number?

What is First Security Bank & Trust Company's SWIFT code?

Products

Does First Security Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does First Security Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Security Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does First Security Bank & Trust Company offer student loans?

Will First Security Bank & Trust Company cash a check?

Will First Security Bank & Trust Company redeem a savings bond?

Does First Security Bank & Trust Company cash savings bonds?

Will First Security Bank & Trust Company cash money orders?

Can First Security Bank & Trust Company issue a money order?

Does First Security Bank & Trust Company do currency exchange?

Background on The Bank

Who owns First Security Bank & Trust Company?

How long has First Security Bank & Trust Company been around?

Can First Security Bank & Trust Company transfer to other banks?

Does First Security Bank & Trust Company have quick pay?

Does First Security Bank & Trust Company accept rolled coins?

Will First Security Bank & Trust Company accept loose change?

Where is First Security Bank & Trust Company headquarters?

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