First Security Bank (Union Star, MO)
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank is an FDIC-insured commercial bank headquartered in Union Star, MO, established in 1890 (FDIC certificate 1622), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $61.9M, up 4.4% from Q2 2025, the 189th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1622
- Headquarters
- Union Star, MO
- Established
- 1890
- Total assets, Q2 2026
- $61.9M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 13.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101207773
- Holding company
- FIRST AMERICAN BANCSHARES, INC.
- Asset rank in state
- 189th of 191 in Missouri
First Security Bank operates with a thinner capital cushion than most banks of its size. The Union Star, Missouri bank had $62 million in assets at June 30, 2026, up 4.4% from a year earlier. It funds 7.96% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). It also holds commercial real estate loans worth 1.8 times its capital, 7.0 times the median of 26% for banks its size.
Its $4.5 million commercial and industrial book is now fully current, after 1.87% of it was past due or on nonaccrual a year earlier. Net income for the quarter rose 19% from a year earlier, to $177,000. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.43% of loans, against 0.21% a year earlier.
As of June 30, 2026, First Security Bank reported a CET1 capital ratio of 13.95%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 3.39%. The figures come from its call report filed with the FFIEC.
First Security Bank ranks as the 189th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 1.9% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 57.2% of total loans, ahead of commercial and industrial loans at 10.7%. Its 2 offices in the FDIC Summary of Deposits are in Union Star, MO and Trimble, MO; its Union Star office books 60% of its branch deposits. On its Q2 2026 call report, First Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 N 4th St, Union Star, MO 64494
- County
- Dekalb
- Metro Area
- St. Joseph, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 30, 1890
- Former names
- American Bank of Union Star (1978-1981); Farmers State Bank & Peoples Bank (1940-1978)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $56.9M
- Allowance for credit losses
- $486K
- Net charge-offs (YTD)
- $265K
- Average total assets
- $61.5M
- Average total loans
- $41.5M
- Average interest-bearing deposits
- $46.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1622
- Fed RSSD
- 322551
- Website
- WWW.FIRSTSECURITYBANKMO.COM →
- Parent Holding Company
- FIRST AMERICAN BANCSHARES, INC. (RSSD 1059751)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Security Bank's total assets ran between $53.5M (Q4 2023) and $61.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$61.9M total assets against $59.3M; $57.1M total liabilities against $54.8M.
$41.8M net loans and leases against $40.2M; $56.9M total deposits against $54.6M.
$15.3M securities against $14.4M; $3.5M cash and balances due against $3.6M.
$901K total interest income against $843K; $205K total interest expense against $208K.
$696K net interest income against $635K.
$17K total noninterest income against $22K; $412K total noninterest expense against $423K.
$75K provision for credit losses against $45K.
$177K net income against $149K.
1.15% return on assets against 1.01%; 4.68% net interest margin against 4.44%.
13.95% CET1 capital ratio against 13.38%; 7.96% tier 1 leverage ratio against 7.58%.
Inside the full First Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.89% (Q1 2025) to 1.16% (Q3 2025) and its net interest margin ran from 4.00% (Q3 2024) to 4.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.95% | 1.15% | 0.43% | 3.39% | 4.68% |
| Q1 2026 | 13.89% | 0.95% | 0.44% | 3.57% | 4.54% |
| Q4 2025 | 13.78% | 0.95% | 0.93% | 7.37% | 4.62% |
| Q3 2025 | 13.57% | 1.16% | 0.06% | 0.50% | 4.56% |
| Q2 2025 | 13.38% | 1.01% | 0.21% | 1.66% | 4.44% |
| Q1 2025 | 13.41% | 0.89% | 0.24% | 1.91% | 4.11% |
| Q4 2024 | 13.92% | 1.12% | 0.11% | 0.88% | 4.11% |
| Q3 2024 | 14.11% | 0.96% | 0.32% | 2.38% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Security Bank (main office) | Union Star , MO | 64494 | $34.3M |
| Trimble Branch | Trimble , MO | 64492 | $22.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 224 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $69K approved, $69K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Security Bank
What are First Security Bank's total assets?
As of the Q2 2026 filing, First Security Bank reported total assets of $61.9 million in its FFIEC call report.
Where is First Security Bank headquartered?
It is headquartered in Union Star, MO, United States.
When was First Security Bank founded?
It was established in 1890, per the FDIC institution directory.
Is First Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security Bank?
First Security Bank's primary federal regulator is the FDIC.
What is First Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Security Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security Bank's Texas Ratio?
Its Texas Ratio is 3.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Security Bank previously called?
The charter now named First Security Bank has also operated as American Bank of Union Star (1978-1981), Farmers State Bank & Peoples Bank (1940-1978), per FDIC structure-change records.
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