The First Security Bank: how it compares with its peers
Against 81 KS banks with half to twice its assets, The First Security Bank's strongest measure in Q2 2026 is return on assets (2.91% vs. a 1.48% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.9M).
| Measure | The First Security Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.91% | 1.48% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 3.95% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.83% | 59.28% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.9M | Bottom third Ahead of 1% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.78% | 77.38% | Context |
What it means for lending operations
Its efficiency ratio of 50.83% is better than the 59.28% 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
- The Stockgrowers State Bank of Ashland, Kansas Ashland, KS · $227M
- The Citizens National Bank Greenleaf, KS · $229M
- Farmers and Drovers Bank Council Grove, KS · $222M
- Carson Bank Mulvane, KS · $220M
- Andover State Bank Andover, KS · $232M
- TriCentury Bank De Soto, KS · $214M
Questions about The First Security Bank
How big is The First Security Bank?
The First Security Bank, established in 1897, is headquartered in Overbrook, KS. It reported $226M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is The First Security Bank's return on assets?
2.91% annualized in Q2 2026, against a 1.48% median for 81 KS banks with half to twice its assets, ahead of 100% of them.
What is The First Security Bank's efficiency ratio?
50.83% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 59.28%, and lower is better.
Is The First Security Bank growing its loans?
Net loans grew 128.6% over the year to Q2 2026, while deposits grew 123.5%.
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 KS 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 Kansas bank ranked.