Total Assets
$93M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First Security Bank of Roundup — FDIC Bank Health Profile
Roundup, Montana · Est. 1971. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #20479 San Francisco Region
B
Health grade
Good
Score: 77/100
Basel III capital ratios — First Security Bank of Roundup
Total Deposits
$81M
Customer-funded liabilities
Net Loans
$27M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
28.14% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
28.14%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$12M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.21%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
17.88%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
51.29%
Income & Expense Breakdown
$4M
Interest Income
$334K
Non-Interest Income
$2M
Non-Interest Expense
FDIC Deposit Insurance
First Security Bank of Roundup is FDIC-insured (Certificate #20479). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About First Security Bank of Roundup
First Security Bank of Roundup is an FDIC-insured institution (Certificate #20479) headquartered in Roundup, Montana, established in 1971. The bank currently holds $93M in total assets and $81M in customer deposits, with $27M deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First Security Bank of Roundup reports a Tier 1 Capital Ratio of 28.14% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $12M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.21% and a Return on Equity of 17.88%, with an Efficiency Ratio of 51.29% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (77/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First Security Bank of Roundup is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Montana by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First Security Bank of Roundup (FDIC Cert #20479) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Glacier Bank Kalispell | $32.0B | C | 0.90% |
| First Interstate Bank Billings | $26.6B | B | 1.20% |
| Stockman Bank of Montana Miles City | $7.6B | B | 1.87% |
| Opportunity Bank of Montana Helena | $2.1B | C | 0.83% |
| The Yellowstone Bank Laurel | $1.4B | D | 2.85% |
| Independence Bank Havre | $1.3B | A | 1.57% |
| TrailWest Bank Lolo | $1.1B | B | 1.88% |
| Bank of Bridger, National Association Bridger | $799M | C | 0.72% |
Frequently Asked Questions
What is First Security Bank of Roundup's health grade? ▼
First Security Bank of Roundup receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Security Bank of Roundup? ▼
First Security Bank of Roundup holds $93M in total assets and $81M in deposits. It is headquartered in Roundup, Montana.
Is my money safe at First Security Bank of Roundup? ▼
Yes. First Security Bank of Roundup is FDIC-insured (Certificate #20479). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First Security Bank of Roundup's Tier 1 Capital Ratio? ▼
First Security Bank of Roundup has a Tier 1 Capital Ratio of 28.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is First Security Bank of Roundup? ▼
First Security Bank of Roundup has an Efficiency Ratio of 51.29%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.