TellerScore

Headquartered in Kansas City, Kansas, Security Bank of Kansas City is a state-chartered bank with $3.9B in total assets and $3.2B in deposits as of Q2 2026. It operates 34 offices across 2 states. Its charter dates back to 1933.

Based on its Q2 2026 filing, Security Bank of Kansas City scores 85/100, which we describe as very strong. That is higher than 97% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 29th. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is funding & liquidity (72/100; 65% loans-to-deposits, 35% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.77%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings82/100
Return on assets (annualized): 1.56%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 65.0% · 35.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.11%

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 (84 → 85).

TellerScore
788285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202481
Q4 202483
Q1 202584
Q2 202584
Q3 202584
Q4 202584
Q1 202684
Q2 202685
Tier 1 leverage ratio
5.00%8.94%12.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.61%
Q3 202412.09%
Q4 202412.47%
Q1 202512.74%
Q2 202512.75%
Q3 202512.87%
Q4 202512.68%
Q1 202612.80%
Q2 202612.77%
Noncurrent loans
0.00%0.01%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.02%
Q4 20240.01%
Q1 20250.01%
Q2 20250.01%
Q3 20250.01%
Q4 20250.00%
Q1 20260.00%
Q2 20260.03%
Return on assets
1.08%1.32%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.08%
Q3 20241.14%
Q4 20241.22%
Q1 20251.26%
Q2 20251.28%
Q3 20251.33%
Q4 20251.37%
Q1 20261.39%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$3.9B12.77%0.03%1.56%65.0%
Q1 202684$3.8B12.80%0.00%1.39%66.5%
Q4 202584$3.8B12.68%0.00%1.37%66.0%
Q3 202584$3.7B12.87%0.01%1.33%66.3%
Q2 202584$3.6B12.75%0.01%1.28%66.2%
Q1 202584$3.6B12.74%0.01%1.26%66.6%
Q4 202483$3.6B12.47%0.01%1.22%66.5%
Q3 202481$3.6B12.09%0.02%1.14%65.1%
Q2 202478$3.7B11.61%0.03%1.08%69.9%

897 peers · $1 billion – $10 billion

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).

Capital ratio12.77%
83rd
Total risk-based capital0.00%
13th
Problem loans0.03%
93rd
Net charge-offs-0.02%
96th
Return on assets1.56%
72nd
Net interest margin3.26%
24th
Efficiency ratio48.4%
80th
Loans to deposits65.0%
89th
Uninsured deposits35.5%
38th
Loan-loss reserves1.58%
89th
Texas ratio0.1%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity Bank, National AssociationBank Wichita, KS60 out of 100, Moderate$3.3B10.0%0.75%vs
Emprise BankBank Wichita, KS66 out of 100, Moderate$2.8B7.7%0.37%vs
KS StateBankBank Manhattan, KS64 out of 100, Moderate$2.6B13.0%2.49%vs
Community National Bank & TrustBank Chanute, KS65 out of 100, Moderate$2.5B9.0%0.80%vs
Landmark National BankBank Manhattan, KS62 out of 100, Moderate$1.6B10.2%1.18%vs
Peoples Bank and Trust CompanyBank Mcpherson, KS61 out of 100, Moderate$1.6B9.3%0.92%vs

Deposit insurance

Is my money safe at Security Bank of Kansas City?

Yes. Security Bank of Kansas City is an FDIC-insured institution (FDIC certificate #4705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.5% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

34 locations

Branches

Security Bank of Kansas City lists 34 offices in 14 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Security Bank of Kansas City reported 95 home-loan applications under HMDA (LEI 54930058NMHTLEZ3C025): 61 originated ($24,475,000 total), 12 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Security Bank of Kansas City
Former names
Security National Bank of Kansas City
Type
State-chartered bank
FDIC certificate #
4705
RSSD ID
1009354
Primary regulator
FDIC
Holding company
Valley View Bancshares Inc
Established
October 13, 1933
Headquarters
701 Minnesota Ave, Kansas City, KS 66101
Employees
426

Quick answers

Security Bank of Kansas City: common questions

Is Security Bank of Kansas City FDIC insured?

Yes. Security Bank of Kansas City is an FDIC-insured institution (FDIC certificate #4705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Bank of Kansas City's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Security Bank of Kansas City ever failed?

There is no failure record for FDIC certificate #4705 in the FDIC failed bank list.

How many branches does Security Bank of Kansas City have?

34 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Kansas City

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs