The First Security Bank is a state-chartered bank headquartered in Overbrook, Kansas, in business for about 129 years. At the end of Q2 2026 it reported $225.6M in total assets and $191.4M in deposits, with 8 offices.
Based on its Q2 2026 filing, The First Security Bank scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 172nd. Its strongest component is earnings (100/100; 2.91%), and its lowest is capital cushion (30/100; 7.98%).
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
From Q2 2025 to Q2 2026, the score rose 6 points (50 → 56), mostly because the earnings component improved by 58 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 53 |
| Q4 2024 | 53 |
| Q1 2025 | 53 |
| Q2 2025 | 50 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 67 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.64% |
| Q3 2024 | 9.54% |
| Q4 2024 | 9.04% |
| Q1 2025 | 9.02% |
| Q2 2025 | 8.64% |
| Q3 2025 | 8.94% |
| Q4 2025 | 8.39% |
| Q1 2026 | 8.53% |
| Q2 2026 | 7.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.60% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.23% |
| Q2 2026 | 2.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.78% |
| Q2 2026 | 2.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $225.6M | 7.98% | 2.00% | 2.91% | 80.8% |
| Q1 2026 | 67 | $116.7M | 8.53% | 0.23% | 0.78% | 66.8% |
| Q4 2025 | 66 | $107.0M | 8.39% | 0.00% | 0.72% | 81.9% |
| Q3 2025 | 65 | $100.1M | 8.94% | 0.38% | 0.79% | 81.1% |
| Q2 2025 | 50 | $99.6M | 8.64% | 1.60% | 0.56% | 79.0% |
| Q1 2025 | 53 | $100.3M | 9.02% | 1.39% | 0.56% | 80.7% |
| Q4 2024 | 53 | $96.2M | 9.04% | 1.28% | 0.50% | 90.2% |
| Q3 2024 | 53 | $94.4M | 9.54% | 1.37% | 0.48% | 91.9% |
| Q2 2024 | 54 | $91.7M | 9.64% | 1.34% | 0.49% | 87.9% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Stockgrowers State Bank of Ashland, KansasBank Ashland, KS | 89 out of 100, Very strong | $227.1M | 14.1% | 0.00% | vs |
| The Citizens National BankBank Greenleaf, KS | 72 out of 100, Strong | $229.0M | 8.7% | 0.00% | vs |
| Farmers and Drovers BankBank Council Grove, KS | 87 out of 100, Very strong | $221.9M | 25.4% | 0.37% | vs |
| Carson BankBank Mulvane, KS | 70 out of 100, Strong | $219.9M | 8.3% | 0.02% | vs |
| Andover State BankBank Andover, KS | 59 out of 100, Moderate | $232.2M | 9.0% | 0.67% | vs |
| TriCentury BankBank De Soto, KS | 77 out of 100, Strong | $213.8M | 10.8% | 0.00% | vs |
Deposit insurance
Is my money safe at The First Security Bank?
Yes. The First Security Bank is an FDIC-insured institution (FDIC certificate #4752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.8% of deposits ($26.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.27% (benchmark: 10%).
8 locations
Branches
The First Security Bank lists 8 offices in 8 cities. Most locations:
- Argonia, KS (1)
- Carbondale, KS (1)
- Conway Springs, KS (1)
- Norwich, KS (1)
- Overbrook, KS (1)
- Paola, KS (1)
- Tonganoxie, KS (1)
- Wichita, KS (1)
HMDA 2025
Mortgage lending
In 2025, The First Security Bank reported 51 home-loan applications under HMDA (LEI 549300SZJNKNV106AN10): 48 originated ($7,490,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, 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
- The First Security Bank
- Former names
- The First National Bank of Overbrook; The Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 4752
- RSSD ID
- 460350
- Primary regulator
- FDIC
- Holding company
- Overbrook Bankshares Inc
- Established
- April 3, 1897
- Headquarters
- 312 Maple St, Overbrook, KS 66524
- Website
- www.firstsecurityks.com
- Employees
- 54
Quick answers
The First Security Bank: common questions
Is The First Security Bank FDIC insured?
Yes. The First Security Bank is an FDIC-insured institution (FDIC certificate #4752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Security Bank's TellerScore?
56 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 The First Security Bank ever failed?
There is no failure record for FDIC certificate #4752 in the FDIC failed bank list.
How many branches does The First Security Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Overbrook
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Empower Blue Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $55.1M | 18.1% | 0.10% | vs |
| Topeka Police Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $6.3M | 15.7% | 0.05% | vs |
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| 1st Kansas Credit UnionCredit union Topeka, KS | 86 out of 100, Very strong | $12.2M | 19.9% | 0.41% | vs |
| Community BankBank Topeka, KS | 83 out of 100, Strong | $188.8M | 11.5% | 0.22% | vs |