BlastPoint's Banking Scorecard

The First Security Bank

$100M-$1B Specialty: Commercial KS FDIC cert 4752

Overbrook, KS

8 branches across KS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +123.5% year over year ($191.4M on the books).
Delinquency rate 2.02%.
Return on assets 2.91%.
Efficiency ratio 50.83% vs a 64.48% peer average.
Loan-to-deposit ratio 80.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The First Security Bank has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 3.2% in tier
+ Revenue Diversifier: Top 6.7% in tier
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 13.65% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.10% above tier average

Get updates when The First Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$225.6M +126.5% YoY +93.3% QoQ	-$161.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$154.6M +128.6% YoY +125.2% QoQ	-$103.7M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$191.4M +123.5% YoY +86.3% QoQ	-$135.3M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	2.91% +424.3% YoY +275.2% QoQ	+1.59%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 2.3% in tier
Net Interest Margin ?	4.29% +3.6% YoY +5.4% QoQ	+0.30%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	50.83% -40.7% YoY -37.6% QoQ	-13.65%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	2.02% +24.5% YoY +761.6% QoQ	+1.10%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Bottom 12.8% in tier
Loan-to-Deposit Ratio ?	80.78% +2.3% YoY +20.9% QoQ	+2.83%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	20.21% -13.1% YoY -41.9% QoQ	-1.82%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	1.45% +31.6% YoY +952.0% QoQ	+0.78%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Bottom 12.5% in tier
Tier 1 Capital Ratio ?	11.14% -7.6% YoY -5.7% QoQ	-4.77%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.82% +332.8% YoY +839.8% QoQ	+0.26%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 4.6% in tier

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	20.2% -3.0pp YoY -14.6pp QoQ	-1.9pp	22.1%	22.3%	22.2%	46%
Brokered Deposits	2.0% -8.0pp YoY +0.3pp QoQ	-5.9pp	7.9%	8.7%	8.5%	29%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	8.0% -0.7pp YoY -0.6pp QoQ	-3.6pp	11.6%	12.6%	12.5%	40%
CRE	30.3% -4.9pp YoY -4.9pp QoQ	-9.3pp	39.5%	28.8%	41.4%	35%
1-4 Family	34.7% +1.5pp YoY -3.0pp QoQ	+2.1pp	32.6%	26.7%	31.3%	61%
Consumer	2.0% 0.0pp YoY +0.1pp QoQ	-2.1pp	4.1%	4.6%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	11.1% -0.9pp YoY -0.7pp QoQ	-7.7pp	18.8%	23.3%	19.7%	9%
Leverage Ratio	8.0% -0.7pp YoY -0.5pp QoQ	-4.2pp	12.2%	12.6%	12.6%	2%
Total Capital Ratio	12.3% -1.0pp YoY -0.7pp QoQ	-7.7pp	19.9%	24.4%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	54 +28 (+107.7%) YoY +30 (+125.0%) QoQ	-5	58	70	482	57%
Assets per Employee ($)	$4.2M +9.1% YoY -14.1% QoQ	-$3.3M	$7.5M	$7.1M	$8.8M	6%
Branch Count	8 +4 (+100.0%) YoY +4 (+100.0%) QoQ	+3	4	6	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	1.3% +0.9pp YoY +1.1pp QoQ	+1.0pp	0.3%	0.4%	0.4%	94%
Nonaccrual	0.7% -0.5pp YoY +0.7pp QoQ	-0.2pp	0.9%	0.8%	1.0%	64%
Allowance Coverage	0.54x -29.4% YoY -89.0% QoQ	-23.61x	24.15x	22.44x	20.23x	12%
Net Charge-off Rate (YTD)	0.5% +0.5pp YoY	+0.4pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	33.6% +27.4pp YoY +24.3pp QoQ	+21.4pp	12.2%	14.3%	11.6%	99%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	44%
Net Income ($, YTD)	$2.2M +695.6% YoY — QoQ	-$375K	$2.6M	$3.7M	$40.4M	56%

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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 (2)

Profitability Leader

growth

#22 of 661 • Top 3.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.91%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#45 of 661 • Top 6.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.82%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.91%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.91%

Peer Median: 1.32%

#63 of 2643 Top 2.3% in $100M-$1B

122

Non-Interest Income / Assets

revenue_mix

Value: 0.82%

Peer Median: 0.57%

#122 of 2643 Top 4.6% in $100M-$1B

492

Efficiency Ratio

profitability

Value: 50.83%

Peer Median: 64.48%

#492 of 2643 Top 18.6% in $100M-$1B

Top Weaknesses (2 metrics)

2313

Nonperforming Asset Ratio

credit_quality

Value: 1.45%

Peer Median: 0.67%

#2313 of 2643 Bottom 12.5% in $100M-$1B

2298

Delinquency Rate

credit_quality

Value: 2.02%

Peer Median: 0.92%

#2298 of 2633 Bottom 12.8% in $100M-$1B