BlastPoint's Banking Scorecard
The First Security Bank
Overbrook, KS
8 branches across KS
The First Security Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 42.3% in tier
- - ROA 0.49% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.7M
+16.4% YoY
+9.0% QoQ
|
-$269.4M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.9% in tier |
| Total Loans ? |
$68.7M
-1.5% YoY
-4.7% QoQ
|
-$187.1M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.2% in tier |
| Total Deposits ? |
$102.8M
+19.1% YoY
+16.9% QoQ
|
-$225.2M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.7% in tier |
| Return on Assets ? |
0.78%
+38.1% YoY
+7.7% QoQ
|
-0.49% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
4.07%
+0.0% YoY
-7.2% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
81.52%
-3.8% YoY
-0.9% QoQ
|
+16.23% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate ? |
0.23%
-83.3% YoY
|
-0.65% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
66.81%
-17.2% YoY
-18.4% QoQ
|
-9.83% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
34.81%
+50.3% YoY
+56.5% QoQ
|
+12.79% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 10.1% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-85.9% YoY
|
-0.50% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.81%
-1.0% YoY
+3.1% QoQ
|
-4.02% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.09%
-3.7% YoY
-76.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
44% |
Get Full Access to The First Security Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.