Total Assets
$70M
Total balance-sheet footings
FDIC Cert #10253 · Beulah, North Dakota · Est. 1915
First Security Bank - West - FDIC Bank Health Profile
A community-scale look at First Security Bank - West's own numbers, pulled straight from its quarterly FDIC Call Report.
- $70M
- Total assets
- A
- Health grade · Excellent
- 1.62%
- Return on assets
- 36.4%
- Tier 1 capital
Data updated July 2026
The verdict
First Security Bank - West earns a PlainBankData health grade of A (89/100), with well-capitalized at 36.42% Tier 1, profitable at 1.62% ROA, 60% efficiency ratio.
- #3,981
- largest of 4,313 FDIC banks by assets
- 8th
- percentile by asset size, nationally
- 36.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 79th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Security Bank - West's 89/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Security Bank - West's composite health score
Tier 1 Capital Ratio (36.42%) 40/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (13.26%) 16/20
Efficiency Ratio (60.25%) 8/15
89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$62M
Customer-funded liabilities
Net Loans
$30M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Security Bank - West ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Security Bank - West's score of 89/100 falls in the highlighted band.
First Security Bank - West's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Security Bank - West's $70M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
36.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
36.42%
Texas Ratio
13.26%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
15.26%
Efficiency Ratio
60.25%
What the numbers say about First Security Bank - West
First Security Bank - West is an FDIC-insured institution (Certificate #10253) headquartered in Beulah, North Dakota, established in 1915. It holds $70M in total assets - 3,981st of 4,313 FDIC-insured banks, $62M in customer deposits, and $30M in net loans. Looking at capital strength, Tier 1 stands at 36.42%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (89/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, First Security Bank - West ranks 55th of 61 banks based in North Dakota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$135K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Security Bank - West reports a Texas Ratio of 13.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Security Bank - West (FDIC Cert #10253) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is First Security Bank - West's health grade?▼
First Security Bank - West receives a health grade of A (89/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Security Bank - West?▼
First Security Bank - West holds $70M in total assets and $62M in deposits, ranking 3,981st of 4,313 FDIC-insured banks by asset size. It is headquartered in Beulah, North Dakota.
Is my money safe at First Security Bank - West?▼
Yes, deposits at First Security Bank - West (Certificate #10253) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Security Bank - West's Tier 1 Capital Ratio?▼
First Security Bank - West has a Tier 1 Capital Ratio of 36.42%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Security Bank - West?▼
First Security Bank - West has a Texas Ratio of 13.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Security Bank - West?▼
First Security Bank - West has an Efficiency Ratio of 60.25%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Security Bank - West's profile as a depositor or analyst.
- First Security Bank - West's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Security Bank - West against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.