Side-by-side · Q2 2026 data
First Security Bank and Trust Company vs First Citizens Bank
Metric by metric
| Measure | First Security Bank and Trust Company | First Citizens Bank |
|---|---|---|
| TellerScore | 68 | 81 (stronger) |
| Capital cushion | 50 | 70 (stronger) |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 42 | 100 (stronger) |
| Funding & liquidity | 80 (stronger) | 43 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 37th | 91st |
| Total assets | $538.2M | $1.8B |
| Deposits / shares | $469.0M | $1.6B |
| Capital ratio | 10.03% | 11.96% (stronger) |
| Problem loans | 0.27% | 0.16% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 0.56% | 2.09% (stronger) |
| Loans ÷ deposits | 73.1% (stronger) | 83.2% |
| Uninsured deposits | 21.7% (stronger) | 45.6% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank and Trust Company leads on 3 and First Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Charles City, IA