The First Security Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 14.08 percentage points higher than in Q1 2026, at 81.67%. Among 182 Kansas banks, The First Security Bank sits 4th from the top on return on assets, 3.43% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, The First Security Bank reported 3.43% on return on assets in Q2 2026, 2.18 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.14% |
| Tier 1 risk-based capital ratio | 11.14% |
| Total risk-based capital ratio | 12.27% |
| Tier 1 leverage ratio | 7.98% |
| Equity capital to assets | 9.03% |
| Tangible equity to tangible assets | 8.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.85% |
| Texas ratio | 15.86% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 149.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.43% |
| Return on equity | 52.96% |
| Net interest margin | 4.63% |
| Efficiency ratio | 41.09% |
| Yield on earning assets | 6.30% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.67% |
| Core deposits to total deposits | 91.47% |
| Brokered deposits to total deposits | 1.96% |
| Deposits to assets | 84.85% |
| Securities to assets | 20.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.72% | 9.72% | 10.92% | 7.65% | 0.46% |
| Q4 2023 | 9.46% | 9.46% | 10.70% | 7.64% | 0.38% |
| Q1 2024 | 9.72% | 9.72% | 10.97% | 7.54% | 0.63% |
| Q2 2024 | 12.29% | 12.29% | 13.53% | 9.64% | 0.35% |
| Q3 2024 | 11.86% | 11.86% | 13.07% | 9.54% | 0.48% |
| Q4 2024 | 11.77% | 11.77% | 12.99% | 9.04% | 0.56% |
| Q1 2025 | 11.93% | 11.93% | 13.17% | 9.02% | 0.56% |
| Q2 2025 | 12.06% | 12.06% | 13.31% | 8.64% | 0.54% |
| Q3 2025 | 12.45% | 12.45% | 13.70% | 8.94% | 1.26% |
| Q4 2025 | 11.45% | 11.45% | 12.58% | 8.39% | 0.52% |
| Q1 2026 | 11.81% | 11.81% | 12.94% | 8.53% | 0.83% |
| Q2 2026 | 11.14% | 11.14% | 12.27% | 7.98% | 3.43% |
The First Security Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Security Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4752) · FFIEC NIC profile (RSSD 460350)