First Security Bk of Roundup
Roundup, Montana · FDIC Cert #20479
First Security Bk of Roundup is an FDIC-insured bank (Certificate #20479) with $81M in total assets and $72M in total deposits as of the Q2 2024 Call Report. Headquartered in Roundup, Montana, the bank maintains a Tier 1 capital ratio of 25.82% (Well-Capitalized) and a nonperforming loan ratio of 6.41%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Security Bk of Roundup (FDIC cert 20479) is a community bank — $81M in total assets, $72M in deposits, serving the Roundup, Montana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 25.82% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 6.41% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 60.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.68% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. First Security Bk of Roundup carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Security Bk of Roundup
- Total Assets
- $81M
- Total Deposits
- $72M
- Tier 1 Capital Ratio
- 25.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 6.41%
- Liquidity Ratio
- 60.45%
- Return on Assets
- 1.68%
- Headquarters
- Roundup, Montana
- FDIC Certificate
- #20479
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Security Bk of Roundup holds a Tier 1 capital ratio of 25.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Security Bk of Roundup has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Security Bk of Roundup shows strong financial health indicators. With $81M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Security Bk of Roundup Compares
First Security Bk of Roundup’s Health Score of 69 is 0 points above the Montana state average of 69 across 33 FDIC-insured banks. Its 25.82% Tier 1 capital ratio is 11.8 points above the US banking industry average near 14%. The 6.41% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.68% is in line with or above the national ROA benchmark of ~1.1%. Among 921 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Security Bk of Roundup is 1 points below the portfolio average of 70.
Frequently Asked Questions
First Security Bk of Roundup has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 25.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Security Bk of Roundup's Tier 1 capital ratio of 25.82% and nonperforming loan ratio of 6.41% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Security Bk of Roundup is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #20479). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Security Bk of Roundup holds $81M in total assets and $72M in total deposits. It is headquartered in Roundup, Montana (FDIC Certificate #20479).
First Security Bk of Roundup has a Tier 1 capital ratio of 25.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 6.41%, and the return on assets is 1.68%.
Yes. First Security Bk of Roundup is FDIC-insured (Certificate #20479). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Security Bk of Roundup's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.