BlastPoint's Banking Scorecard
First Security Bank
Designations: ✓ Community bank
Union Star, MO
2 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +4.2% year over year ($56.9M on the books).
- Delinquency rate 0.43%.
- Return on assets 1.06%.
- Efficiency ratio 59.90% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.45% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.76% above tier average
- + Efficiency Ratio 59.50% below tier average
- + Delinquency Rate 1.05% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.9M
+4.4% YoY
0% QoQ
|
-$517K |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$41.8M
+3.9% YoY
+1.7% QoQ
|
+$6.9M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$56.9M
+4.2% YoY
-0.0% QoQ
|
+$5.3M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.06%
+11.3% YoY
+10.1% QoQ
|
+0.06% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.67%
+7.6% YoY
+1.4% QoQ
|
+0.76% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
59.90%
-7.6% YoY
-3.6% QoQ
|
-59.50% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.43%
+107.3% YoY
-3.3% QoQ
|
-1.05% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
73.45%
-0.2% YoY
+1.7% QoQ
|
-0.76% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
17.22%
-10.5% YoY
-0.8% QoQ
|
-6.27% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.29%
+106.4% YoY
-1.6% QoQ
|
-0.54% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.95%
+4.3% YoY
+0.4% QoQ
|
-13.17% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.05%
-27.6% YoY
+100.0% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.2%
-2.0pp YoY -0.1pp QoQ |
-7.4pp | 24.6% | 20.9% | 22.2% | 27% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.8%
-2.3pp YoY -0.3pp QoQ |
-2.6pp | 13.4% | 12.3% | 12.5% | 54% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
57.9%
-0.7pp YoY -1.2pp QoQ |
+22.9pp | 35.0% | 31.9% | 31.3% | 79% |
| Consumer |
10.4%
-0.7pp YoY +0.1pp QoQ |
+2.7pp | 7.7% | 4.1% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
+0.6pp YoY +0.1pp QoQ |
-24.7pp | 38.7% | 18.5% | 19.7% | 15% |
| Leverage Ratio |
8.0%
+0.4pp YoY +0.1pp QoQ |
-9.7pp | 17.7% | 11.6% | 12.6% | 2% |
| Total Capital Ratio |
15.2%
+0.6pp YoY +0.1pp QoQ |
-24.5pp | 39.7% | 19.6% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 162 | 482 | 36% |
| Assets per Employee ($) |
$6.9M
+4.4% YoY 0.0% QoQ |
+$692K | $6.2M | $8.0M | $8.8M | 64% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.2pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 0.8% | 1.0% | 36% |
| Allowance Coverage |
2.69x
-60.2% YoY +20.5% QoQ |
-3.73x | 6.41x | 10.47x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
1.3%
+1.4pp YoY -1.3pp QoQ |
+1.1pp | 0.2% | 0.3% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
+0.8pp YoY +1.2pp QoQ |
+7.1pp | 6.4% | 14.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.8% | 1.7% | 51% |
| Net Income ($, YTD) |
$322,000
+16.2% YoY — QoQ |
+$4K | $317,817 | $11.3M | $40.4M | 55% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.