First Security Bank is a state-chartered bank headquartered in Union Star, Missouri, in business for about 136 years. At the end of Q2 2026 it reported $61.9M in total assets and $56.9M in deposits, with 2 offices.
First Security Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 145th. Problem-loan coverage contributes the most (93/100, 3.4%); capital cushion contributes the least (30/100, 7.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 59 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.69% |
| Q3 2024 | 7.87% |
| Q4 2024 | 7.57% |
| Q1 2025 | 7.60% |
| Q2 2025 | 7.58% |
| Q3 2025 | 7.82% |
| Q4 2025 | 7.92% |
| Q1 2026 | 7.82% |
| Q2 2026 | 7.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.93% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.95% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.95% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $61.9M | 7.96% | 0.43% | 1.06% | 73.4% |
| Q1 2026 | 64 | $61.9M | 7.82% | 0.44% | 0.96% | 72.2% |
| Q4 2025 | 59 | $58.9M | 7.92% | 0.93% | 1.00% | 77.3% |
| Q3 2025 | 68 | $59.2M | 7.82% | 0.06% | 1.02% | 75.2% |
| Q2 2025 | 65 | $59.3M | 7.58% | 0.21% | 0.95% | 73.6% |
| Q1 2025 | 65 | $59.0M | 7.60% | 0.24% | 0.89% | 70.1% |
| Q4 2024 | 67 | $56.6M | 7.57% | 0.11% | 1.00% | 71.6% |
| Q3 2024 | 65 | $55.7M | 7.87% | 0.32% | 0.95% | 72.3% |
| Q2 2024 | 67 | $57.0M | 7.69% | 0.16% | 0.94% | 70.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Montrose Savings BankBank Montrose, MO | 97 out of 100, Very strong | $63.2M | 14.5% | 0.13% | vs |
| Community Bank of MemphisBank Memphis, MO | 85 out of 100, Very strong | $63.7M | 12.4% | 0.00% | vs |
| America's Community BankBank Blue Springs, MO | 57 out of 100, Moderate | $64.1M | 8.7% | 1.32% | vs |
| The Bank of HoustonBank Houston, MO | 82 out of 100, Strong | $67.4M | 14.1% | 0.16% | vs |
| FMB BankBank Wright City, MO | 61 out of 100, Moderate | $51.2M | 7.5% | 0.01% | vs |
| Bank of IberiaBank Iberia, MO | 68 out of 100, Moderate | $73.9M | 9.1% | 0.48% | vs |
Deposit insurance
Is my money safe at First Security Bank?
Yes. First Security Bank is an FDIC-insured institution (FDIC certificate #1622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.1% of deposits ($9.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.20% (benchmark: 10%).
2 locations
Branches
First Security Bank lists 2 offices in 2 cities. Most locations:
- Trimble, MO (1)
- Union Star, MO (1)
Identity & history
Profile
- Legal name
- First Security Bank
- Former names
- American Bank of Union Star; Farmers State Bank; Farmers State Bank & Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1622
- RSSD ID
- 322551
- Primary regulator
- FDIC
- Holding company
- First American Bancshares Inc
- Established
- April 30, 1890
- Headquarters
- 108 N 4th St, Union Star, MO 64494
- Website
- www.firstsecuritybankmo.com
- Employees
- 9
Quick answers
First Security Bank: common questions
Is First Security Bank FDIC insured?
Yes. First Security Bank is an FDIC-insured institution (FDIC certificate #1622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Security Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Security Bank ever failed?
There is no failure record for FDIC certificate #1622 in the FDIC failed bank list.
How many branches does First Security Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Union Star
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| District One Highway Credit UnionCredit union Saint Joseph, MO | 94 out of 100, Very strong | $30.5M | 18.8% | 0.00% | vs |
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| Goetz Credit UnionCredit union St Joseph, MO | 85 out of 100, Very strong | $89.6M | 15.7% | 0.50% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |
| St. Joseph Teachers' Credit UnionCredit union Saint Joseph, MO | 78 out of 100, Strong | $8.7M | 10.9% | 0.29% | vs |