First Security Bank: how it compares with its peers
Against 29 MO banks with half to twice its assets, First Security Bank's strongest measure in Q2 2026 is net interest margin (4.67% vs. a 3.66% peer median). Its weakest relative measure is return on assets (1.06% vs. 1.08%).
| Measure | First Security Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.08% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 3.66% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.90% | 63.37% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.8M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.45% | 72.41% | Context |
What it means for lending operations
Its efficiency ratio of 59.90% is better than the 63.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Montrose Savings Bank Montrose, MO · $63M
- Community Bank of Memphis Memphis, MO · $64M
- America's Community Bank Blue Springs, MO · $64M
- The Bank of Houston Houston, MO · $67M
- FMB Bank Wright City, MO · $51M
- Bank of Iberia Iberia, MO · $74M
Questions about First Security Bank
How big is First Security Bank?
First Security Bank, established in 1890, is headquartered in Union Star, MO. It reported $62M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Security Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.08% median for 29 MO banks with half to twice its assets, ahead of 45% of them.
What is First Security Bank's efficiency ratio?
59.90% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 63.37%, and lower is better.
Is First Security Bank growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.