First Security B&T Co. IA Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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First Security B&T Co. IA's savings rates are at 0.11%. First Security B&T Co. IA's 10 Year Home Equity Line of Credit Variable Rate rates are at 0.00%. You can compare First Security B&T Co. IA rates to other rates in our database, including 12-month CD rates currently at 3.33%, 6-month CD rates at 3.30% and 3-month CD rates at 2.75%. Savings rates are at 0.25% and money market rates are at 2.27%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates, and more, can be found in our database of rates which you can compare to First Security B&T Co. IA rates.
Rate Updates and AvailabilityFirst Security B&T Co. IA money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Security B&T Co. IA? Share your experience about First Security B&T Co. IA by leaving a review below, or read customer reviews before you decide to use First Security B&T Co. IA. First Security B&T Co. IA Texas RatioFirst Security B&T Co. IA's Texas Ratio is at 12.58%, which is considered excellent. The Texas Ratio for First Security B&T Co. IA is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Security B&T Co. IA has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, First Security B&T Co. IA is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
First Security B&T Co. IA Savings Rates
First Security B&T Co. IA Home Equity & HELOC
First Security B&T Co. IA Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Security B&T Co. IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Security B&T Co. IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Security B&T Co. IA's official website for the most current offers and terms.
Bank Profile & OverviewFirst Security B&T Co. IA
809 Clark StCharles City, IA 50616 Floyd Established Date: 07/14/1903 FDIC Certificate #: 1852 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: CEDAR VALLEY BANKSHARES LTD How Many Domestic U.S. Offices? 11 How Many Branches are There? 11 Website: https://www.1stsecurity.bank
Is First Security B&T Co. IA FDIC Insured? Yes
What is First Security B&T Co. IA's Cert number? 1852
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$568,475,000
Total Deposits:
$510,228,000
Equity Capital:
$45,300,000
Net Income:
$955,000
Return on Assets (ROA):
-0.1520%
Return on Equity (ROE):
-2.1800%
Headquarters:
Charles City
Regulator:
FDIC
# of Offices:
11
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsShwi
December 17, 2025
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Frequently Asked Questions About First Security B&T Co. IAHow do I open an account at First Security B&T Co. IA?You can typically open an account at First Security B&T Co. IA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First Security B&T Co. IA provides a range of mortgage and home equity products. Is First Security B&T Co. IA a safe place to deposit money?Yes, First Security B&T Co. IA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does First Security B&T Co. IA offer online and mobile banking?Most modern institutions like First Security B&T Co. IA provide digital access including online balance checks and transfers. Compare to other Banks |
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