The First Security Bank
Overbrook, KS·RSSD 460350·FDIC 4752·bank:460350·Risk-based ratios where reported
- #85 of 185Total assets in Kansas
- 8offices
- 54employees
- Top 1%Return on assets vs. peers
- Top 3%Fee income vs. peers
- Top 4%Margin improvement in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The First Security Bank
6 of 20 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Return on assets rising faster than peersStrength: Earnings4.60%peers 1.26%+334 bps
The First Security Bank's annualized return on assets rose 405 bps over the past year to 4.60%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 4.60% | 1.26% | +334 bps |
| 12-month change | ||
| +405 bps | +14 bps | +392 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First Security Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency42.1%peers 63.3%-21.2 pp
The First Security Bank's efficiency ratio fell 44.4 percentage points over the past year to 42.1%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 42.1% | 63.3% | -21.2 pp |
| 12-month change | ||
| -44.4 pp | -2.1 pp | -42.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First Security Bank itself is left out of every peer median and percentile. How signals work
Balance sheet jumped in a single quarterNotable: Growth+93.3%
The First Security Bank's total assets rose 93.3% from the previous quarter to $226 million. A jump this large usually reflects a merger or acquisition, so FORFI holds back growth comparisons with peers for this quarter.
| Observed | Change |
|---|---|
| Total assets, change in one quarter | |
| +93.3% | |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First Security Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality0.93%peers 0.00%+93 bps
The First Security Bank's annualized net charge-off rate rose 92 bps over the past year to 0.93%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 0.93% | 0.00% | +93 bps |
| 12-month change | ||
| +92 bps | 0 bps | +92 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First Security Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Fee and other noninterest income among the highest of similar banksEarnings
- Net interest margin widening faster than peersEarnings
Key facts
- The First Security Bank is a bank headquartered in Overbrook, Kansas. It reported $226 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $191 million, up 123.5% from a year earlier, and loans totaled $156 million, up 128.2%.
- Its net interest margin was 4.85% and its annualized return on assets was 4.60% for the quarter.
- Its cost of all deposits was 1.73%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The First Security Bank's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- The First Security Bank · Bank
- Federal Reserve RSSD
- 460350
- FDIC certificate
- 4752
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First Security Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.96M | — | |
| $2.59M | — | |
| $690K | — | |
| $1.9M | — | |
| $1.75M | — | |
| $1.54M | — | |
| $174K | — | |
| $140K | — | |
| 4.60% | 4.59%ROAQ · Quarter | |
| 4.85% | 4.84%NIMYQ · Quarter | |
| 42.11% | 41.20%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.