The First Security Bank (Overbrook, KS)
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Data as of · sourced from FFIEC call reports. How we update
The First Security Bank is an FDIC-insured commercial bank headquartered in Overbrook, KS, established in 1897 (FDIC certificate 4752), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $225.6M, the 85th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.14% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4752
- Headquarters
- Overbrook, KS
- Established
- 1897
- Total assets, Q2 2026
- $225.6M
- CET1 ratio, Q2 2026
- 11.14%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 101105778
- Latest call report
- Q2 2026, FFIEC 041 · The First Security Bank call report
- Holding company
- OVERBROOK BANKSHARES, INC.
- Asset rank in state
- 85th of 182 in Kansas
The First Security Bank is one of the more profitable banks of its size. It reported $226 million in assets at June 30, 2026, against $100 million a year earlier. It earns about $3.43 a year on every $100 of assets, 2.7 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $22 million non-owner-occupied commercial real estate book: 2.81% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.89% of loans from 1.60% a year earlier. Where it has less room is capital: it holds common equity equal to 11.14% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, The First Security Bank reported a CET1 capital ratio of 11.14%, a return on assets of 3.43%, a nonperforming-loan ratio of 2.00% and a Texas ratio of 15.86%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The First Security Bank is the 85th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 93.3% to $225.6M, loans rose 125.1% and deposits rose 86.3%. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.9%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in KS; its Conway Springs office books 18% of its branch deposits. Judged on its Q2 2026 call report, The First Security Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 312 Maple St, Overbrook, KS 66524
- County
- Osage
- Metro Area
- Topeka, 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 041
- Established
- April 3, 1897
- Former names
- The First Security Bank (1978); The First National Bank of Overbrook (1904-1978)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $191.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $261K
- Average total assets
- $228.6M
- Average total loans
- $123.1M
- Average interest-bearing deposits
- $117.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4752
- Fed RSSD
- 460350
- SEC CIK
- 2110473 → filed by OVERBROOK BANKSHARES, INC.
- Website
- www.firstsecurityks.com →
- Parent Holding Company
- OVERBROOK BANKSHARES, INC. (RSSD 1063776)
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, The First Security Bank's total assets ran between $86.9M (Q3 2023) and $225.6M (Q2 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
$225.6M total assets against $99.6M; $205.2M total liabilities against $90.8M.
$154.6M net loans and leases against $67.7M; $191.4M total deposits against $85.7M.
$46.5M securities against $15.1M; $8.2M cash and balances due against $9.1M.
$2.6M total interest income against $1.4M; $690K total interest expense against $436K.
$1.9M net interest income against $946K.
$1.8M total noninterest income against $98K; $1.5M total noninterest expense against $903K.
$140K provision for credit losses against $0.
$2.0M net income against $136K.
3.43% return on assets against 0.54%; 4.63% net interest margin against 4.08%.
11.14% CET1 capital ratio against 12.06%; 7.98% tier 1 leverage ratio against 8.64%.
Inside the full The First Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First Security Bank rankings
Its closest position to the top of a national ranking is 40 of 3,611, for ROA; its furthest is 1,928 of 2,134, for CET1 ratio.
Banks merged into The First Security Bank
- Conway Bank, effective May 9, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 3.43% (Q2 2026) and its net interest margin ran from 4.02% (Q1 2025) to 4.97% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 3.43% | 2.00% | 15.86% | 4.63% |
| Q1 2026 | 11.81% | 0.83% | 0.23% | 1.70% | 4.40% |
| Q4 2025 | 11.45% | 0.52% | 0.00% | 0.02% | 4.34% |
| Q3 2025 | 12.45% | 1.26% | 0.38% | 2.68% | 4.97% |
| Q2 2025 | 12.06% | 0.54% | 1.60% | 12.11% | 4.08% |
| Q1 2025 | 11.93% | 0.56% | 1.39% | 10.64% | 4.02% |
| Q4 2024 | 11.77% | 0.56% | 1.28% | 10.05% | 4.13% |
| Q3 2024 | 11.86% | 0.48% | 1.37% | 10.55% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Conway Bank Branch | Conway Springs , KS | 67031 | $35.2M |
| The First Security Bank | Overbrook , KS | 66524 | $30.7M |
| Carbondale Branch | Carbondale , KS | 66414 | $27.9M |
| Downtown Wichita Branch | Wichita , KS | 67202 | $25.9M |
| Farmers & Merchants Branch | Argonia , KS | 67004 | $24.0M |
| Norwich Branch | Norwich , KS | 67118 | $17.7M |
| Paola Branch | Paola , KS | 66071 | $16.0M |
| The First Security Bank Tonganoxie Branch | Tonganoxie , KS | 66086 | $13.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 9, 2026 | Structure Change | Acquired Conway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2012 | Structure Change | Acquired State Bank of Carbondale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 104 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $4.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 The First Security Bank
What are The First Security Bank's total assets?
As of the Q2 2026 filing, The First Security Bank reported total assets of $225.6 million in its FFIEC call report.
Where is The First Security Bank headquartered?
It is headquartered in Overbrook, KS, United States.
When was The First Security Bank founded?
It was established in 1897, per the FDIC institution directory.
Is The First Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Security Bank?
The First Security Bank's primary federal regulator is the FDIC.
What is The First Security Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.14% in its Q2 2026 call report, above regulatory requirements.
How many branches does The First Security Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Security Bank's Texas Ratio?
Its Texas Ratio is 15.86% 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 The First Security Bank previously called?
The charter now named The First Security Bank has also operated as The First Security Bank (1978), The First National Bank of Overbrook (1904-1978), per FDIC structure-change records.
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