Security State Bank (Scott City, KS)
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Data as of · sourced from FFIEC call reports. How we update
Security State Bank is an FDIC-insured commercial bank headquartered in Scott City, KS, established in 1961 (FDIC certificate 18374), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.03B, up 7.1% from Q2 2025, the 20th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.96% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18374
- Headquarters
- Scott City, KS
- Established
- 1961
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +7.1%
- CET1 ratio, Q2 2026
- 11.96%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101114691
- Holding company
- SECURITY BANCSHARES, INC.
- Asset rank in state
- 20th of 182 in Kansas
Security State Bank pays more for its money than most banks of its size. Based in Scott City, Kansas, it had $1.0 billion in assets at June 30, 2026, up 7.1% from a year earlier. It pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also lost 6.2% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Earnings jumped: net income for the quarter was $3.6 million, 33% above the same quarter a year earlier. Over the same year, loans grew 1.6% and deposits shrank 6.2%. Where it has less room is capital: it holds common equity equal to 11.96% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Security State Bank reported a CET1 capital ratio of 11.96%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Security State Bank is the 20th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $1.03B, loans rose 0.2% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 24.6% of total loans, ahead of agricultural production loans at 20.9%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in KS; its Scott City office books 62% of its branch deposits. Judged on its Q2 2026 call report, Security State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 506 S Main St, Scott City, KS 67871
- County
- Scott
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 21, 1961
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $727.9M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $437K
- Average total assets
- $1.03B
- Average total loans
- $761.9M
- Average interest-bearing deposits
- $641.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 21, 1961
- FDIC Cert
- 18374
- Fed RSSD
- 319551
- SEC CIK
- 1883602 → filed by SECURITY BANCSHARES, INC.
- Website
- www.ssbscott.com →
- Parent Holding Company
- SECURITY BANCSHARES, INC. (RSSD 1248836)
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, Security State Bank's total assets ran between $460.6M (Q3 2023) and $1.03B (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
$1.03B total assets against $965.5M; $922.4M total liabilities against $863.4M.
$753.7M net loans and leases against $742.0M; $727.9M total deposits against $776.1M.
$203.9M securities against $157.0M; $16.9M cash and balances due against $13.3M.
$15.6M total interest income against $15.2M; $7.0M total interest expense against $7.7M.
$8.7M net interest income against $7.6M.
$837K total noninterest income against $837K; $4.8M total noninterest expense against $4.1M.
$188K provision for credit losses against $688K.
$3.6M net income against $2.7M.
1.39% return on assets against 1.12%; 3.58% net interest margin against 3.33%.
11.96% CET1 capital ratio against 11.30%; 10.23% tier 1 leverage ratio against 9.79%.
Inside the full Security State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Security State Bank rankings
Its closest position to the top of a national ranking is 550 of 3,606, for efficiency ratio; its furthest is 1,723 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q4 2024) to 1.47% (Q4 2025) and its net interest margin ran from 3.24% (Q1 2025) to 3.58% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.96% | 1.39% | 0.26% | 1.78% | 3.58% |
| Q1 2026 | 11.94% | 1.39% | 0.28% | 2.40% | 3.52% |
| Q4 2025 | 11.51% | 1.47% | 0.27% | 2.47% | 3.49% |
| Q3 2025 | 11.56% | 1.37% | 0.27% | 1.99% | 3.46% |
| Q2 2025 | 11.30% | 1.12% | 0.27% | 2.03% | 3.33% |
| Q1 2025 | 11.89% | 1.01% | 0.03% | 0.26% | 3.24% |
| Q4 2024 | 11.02% | 0.82% | 0.03% | 0.21% | 3.28% |
| Q3 2024 | 11.51% | 0.84% | 0.14% | 1.02% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Security State Bank (main office) | Scott City , KS | 67871 | $452.9M |
| Garden City Branch | Garden City , KS | 67846 | $100.5M |
| The Valley State Bank Branch | Syracuse , KS | 67878 | $79.5M |
| Leoti Branch | Leoti , KS | 67861 | $48.6M |
| Garden City Branch | Garden City , KS | 67846 | $46.3M |
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 |
|---|---|---|---|
| June 1, 2024 | Structure Change | Acquired The Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 29 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.3M approved, $2.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 Security State Bank
What are Security State Bank's total assets?
As of the Q2 2026 filing, Security State Bank reported total assets of $1.03 billion in its FFIEC call report.
Where is Security State Bank headquartered?
It is headquartered in Scott City, KS, United States.
When was Security State Bank founded?
It was established in 1961, per the FDIC institution directory.
Is Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18374). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security State Bank?
Security State Bank's primary federal regulator is the FDIC.
What is Security State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.96% in its Q2 2026 call report, above regulatory requirements.
How many branches does Security State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security State Bank's Texas Ratio?
Its Texas Ratio is 1.78% 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.
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