Security State Bank (Wellington, 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 Wellington, KS, established in 1897 (FDIC certificate 12422), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $55.1M, up 8.0% from Q2 2025, the 163rd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12422
- Headquarters
- Wellington, KS
- Established
- 1897
- Total assets, Q2 2026
- $55.1M
- Assets vs Q2 2025
- +8.0%
- Tier 1 leverage ratio, Q2 2026
- 15.56%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101101057
- Holding company
- SSB HOLDINGS, INC.
- Asset rank in state
- 163rd of 182 in Kansas
Security State Bank, based in Wellington, Kansas, reported $55 million in assets at June 30, 2026, up 8.0% from a year earlier. It shrank its loan book 12.5% over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.6%). It also pays an average of 0.97% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Loans and deposits moved in opposite directions: over the year loans fell 12.5% and deposits rose 7.6%. Its $2.0 million non-owner-occupied commercial real estate book is improving, with 11.15% past due or on nonaccrual, down from 12.37% a year earlier.
As of June 30, 2026, Security State Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 1.44% and a Texas ratio of 3.40%. The figures come from its call report filed with the FFIEC.
Security State Bank ranks as the 163rd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $55.1M, loans fell 9.0% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 33.0% of total loans, followed by 1-4 family residential loans at 18.9%. Its one office in the FDIC Summary of Deposits is in Wellington, KS. By the capital ratios in its Q2 2026 call report, Security State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Washington Ave, Wellington, KS 67152
- County
- Sumner
- Metro Area
- Wichita, 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
- June 15, 1897
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $47.7M
- Allowance for credit losses
- $546K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $54.6M
- Average total loans
- $18.5M
- Average interest-bearing deposits
- $36.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12422
- Fed RSSD
- 73956
- Website
- www.ssbwellington.com →
- Parent Holding Company
- SSB HOLDINGS, INC. (RSSD 3044630)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Security State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Security State Bank's total assets ran between $50.7M (Q3 2024) and $56.7M (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$55.1M total assets against $51.0M; $47.9M total liabilities against $44.6M.
$17.7M net loans and leases against $20.2M; $47.7M total deposits against $44.3M.
$18.6M securities against $20.6M; $16.7M cash and balances due against $7.9M.
$600K total interest income against $583K; $114K total interest expense against $134K.
$486K net interest income against $449K.
$42K total noninterest income against $82K; $373K total noninterest expense against $385K.
$0 provision for credit losses against $8K.
$149K net income against $137K.
1.09% return on assets against 1.06%; 3.87% net interest margin against 3.62%.
15.56% tier 1 leverage ratio against 15.95%.
Inside the full Security State 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 0.37% (Q4 2024) to 1.20% (Q1 2026) and its net interest margin ran from 3.32% (Q4 2024) to 3.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.56% | 1.09% | 1.44% | 3.40% | 3.87% |
| Q1 2026 | 15.15% | 1.20% | 1.34% | 3.49% | 3.80% |
| Q4 2025 | 14.47% | 0.51% | 1.33% | 3.66% | 3.73% |
| Q3 2025 | 15.54% | 1.11% | 2.82% | 9.61% | 3.72% |
| Q2 2025 | 15.95% | 1.06% | 1.42% | 5.98% | 3.62% |
| Q1 2025 | 15.57% | 0.49% | 1.44% | 6.81% | 3.46% |
| Q4 2024 | 15.45% | 0.37% | 1.66% | 7.42% | 3.32% |
| Q3 2024 | 15.68% | 0.68% | 1.62% | 6.81% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Security State Bank | Wellington , KS | 67152 | $47.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 195 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 $55.1 million in its FFIEC call report.
Where is Security State Bank headquartered?
It is headquartered in Wellington, KS, United States.
When was Security State Bank founded?
It was established in 1897, per the FDIC institution directory.
Is Security State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12422). 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.
How many branches does Security State Bank operate?
It operates 1 domestic office, 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 3.40% 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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