BlastPoint's Banking Scorecard

First Security Bank

under $100M Specialty: Other MO FDIC cert 1622

Designations: ✓ Community bank

Union Star, MO

2 branches across MO

541 banks in the under $100M peer group nationally 16 in MO

First Security Bank demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.12% above tier average
+ Net Interest Margin 0.75% above tier average
+ Efficiency Ratio 26.23% below tier average
+ Delinquency Rate 0.93% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$61.9M +4.9% YoY +5.1% QoQ	-$236K	$62.2M -0.6% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$41.1M +7.6% YoY -1.4% QoQ	+$6.9M	$34.2M -1.4% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$56.9M +4.5% YoY +5.6% QoQ	+$5.2M	$51.7M -0.7% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	0.96% +8.4% YoY -4.3% QoQ	+0.12%	0.84% -2.3% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	4.61% +10.8% YoY +2.3% QoQ	+0.75%	3.86% +2.8% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	62.11% -4.8% YoY -3.2% QoQ	-26.23%	88.34% +0.3% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.45% +83.8% YoY -52.7% QoQ	-0.93%	1.37% +33.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	72.19% +3.0% YoY -6.6% QoQ	+7.98%	64.22% -0.7% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	17.35% -5.2% YoY -5.2% QoQ	-6.37%	23.71% +0.3% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.30% +88.6% YoY -55.6% QoQ	-0.49%	0.79% +28.2% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	13.89% +3.6% YoY +0.8% QoQ	-12.79%	26.68% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.03% -29.6% YoY -79.8% QoQ	-0.64%	0.67% +1.9% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

115

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.86%

#115 of 541 Top 21.1% in under $100M

Top Weaknesses (1 metrics)

429

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#429 of 541 Bottom 20.9% in under $100M