# FIRST SECURITY BANK
OVERBROOK, KS · FDIC certificate 4752 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $225.6M | |
| Deposits | $191.4M | |
| Loans and leases | $156.3M | |
| Total equity | $20.4M | |
| Loans / deposits | 80.78% (p64 of band) | 73.59% |
| Liquid assets / assets | 24.24% (p30 of band) | |
| Uninsured deposits / deposits | 13.83% (p27 of band) | 19.81% |
| Brokered deposits | 1.66% | |
| Wholesale funding | 7.21% (p79 of band) | |
| FHLB advances / assets | 5.53% | |
| Tier 1 leverage | 7.98% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -1.00% (p77 of band) | -6.57% |
| AOCI / equity | -0.83% (p32 of band) | |
| ROA (annualized) | 2.91% (p96 of band) | 1.17% |
| Net interest margin | 4.29% (p67 of band) | 3.93% |
| Efficiency ratio | 50.83% (p15 of band) | |
| Noncurrent loans | 2.00% (p85 of band) | 0.36% |
| Net charge-offs (annualized) | 0.35% (p96 of band) | |
| Reserve coverage of noncurrent | 54.42% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 43.56% (p75 of band) | |
| Auto loans | $1.1M (0.70% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 123.5% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | loans-to-lenders >50% equity |  |
| 2013-09 | 0 |  | loans-to-lenders >50% equity |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 | capital falling | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | uninsured deposits leaving |  |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2023-03 | 1 |  | brokered >10%, wholesale funding >15% |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, reserve under noncurrent |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | wholesale funding >15%, capital falling |  |
| 2025-03 | 2 |  | wholesale funding >15% |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 | wholesale funding >15% | reserve under noncurrent, capital falling |
| 2025-12 | 0 |  | wholesale funding >15% |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | charge-offs p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-22 [The First Security Bank Has Agreed to Acquire Conway Bank - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTUpURE9ZejFmMlRtT0szN3BuMU1qTXBWZFhoSmo0RkJ0Zno5S3M0NVEzMFpONFlEQmtoSENoOHdHYXRsOXQ3ZURVVXVWdTllTXY3T05ncHl4cmhIZnRqZS1PaGE5bUM0cVRWVFI3Mi10dTFQQkVkYkRiV2M4X25ZbGlWLTNiV0doRFozNDVhQUZTb2NtZjB5OGN6dVQzX1psMkZheVRvQXJWekN5dkVIYmdETQ?oc=5) · PR Newswire
- 2025-12-26 [First Security Bank to double in size with acquisition of Kansas-based Conway Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQd3ZZSlNwUnJyYldFUGEzQTB0SVZVS1RQdGtvVm1OR1JGakhWT3d6T3F4UWFINV9ISWEyMlVjQUZfWEtOVmpmWmcxeVVubmMtQVotVUg2THNWNWduZWVxQ1BfTERrRFgwMU1uVS1EWFFESGpPU3hKZTVxX0FmeER5QndPUWJUbmxmbGdYRUJpMnJ1TTRfNjZJTFBFM2dDcEhNNENMWjlqMA?oc=5) · The Business Journals
- 2025-12-23 [Overbrook Bankshares agrees to merge with Norcon Financial - Retail Banker International](https://news.google.com/rss/articles/CBMihAFBVV95cUxObjR5NWNGcHdadnBpbW5PRE03RzlCQ00wWm1FOWFibTdVaTJKV0JHVm9ON3BxZWRkN3MtNExjeDVaQllzVUpIMDlXY0NJSFhfTVhtT2s1b1o0VUhQejZOTm9DSDhtRFpzWTB5VmJZMjRPYktoazNjcVdEZFJISk8zQnc5Mms?oc=5) · Retail Banker International
- 2025-12-23 [Bank puts longtime Mountlake Terrace headquarters on the market - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQRlNWMXVzNGU1ekc0c1lUQU5RSE51YlpFLXBCRUcxVzgxZXlwTzBrSTd2WFBlRkI3LUM5bXJxRWk4THM4SVhteGg1cDI3Q25SMkhqbGo4al91OWlmR3ZHUDRKUFM4bTRNT19LR1U0anhKRXZQNlRzOXBXcnNoay1uMjJVMS15bHJtaGUtbnZYcHdsMHEzSDdXc0pTUS1ETlVWOEM3aWpMOTJldw?oc=5) · The Business Journals
- 2020-01-28 [Congressman French Hill Joins Banks in Announcing $34K Grant to Arkansas Nonprofit - Congressman French Hill (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTFA5QXM1U0NRZFR5c3FkTWhSd0RodDFRdXJMaWpjcFlSTk9hZlR6R3Z3QTVaZWxmNEpKRVBXUHo0NlZMeF9sUEk2c19SWnVFMGxRR01VcnQ3bEJtcnNOYVl0LW1PVENqbTR3LXNsbzVVckg?oc=5) · Congressman French Hill (.gov)
- 2024-09-17 [James Horton, First Security Bank — Hometown Proud - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMickFVX3lxTE43Q2IwUnd2aUhqZHVTQzY3dWE5REd4S3NMOS0xaV9oSk1KWFhwWlpKZmdGZURROG1LRmxjNTFqY3o0cktKNlA0SHZTZzFReXJiWkhwLUlhQWNaMkVUcElkeGVfdzJhZUtyNzZyRGU5MG8ydw?oc=5) · Arkansas Money &amp; Politics
- 2023-12-22 [Scott Dews - Arkansas Business](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1QeE4tdk1URXdDdU0xNTM0QmxfYmlLM1JveExtaF9uZE9EV3JXbkhaZFFpbHVGVi1DNlhYUThrNmxTLS1jMnZzaHZPTmZ3b0FMbnNiQlJCWjZaQnE4N3NDVQ?oc=5) · Arkansas Business
- 2024-01-22 [New President and CEO at First Security Bank & Trust - kimt.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxPSVNCcU9TaHFUdGtDcWFBcUlhSVQ3bHA4SVRITmRGbnRGa1Zvd01TZzJzc3d5N1hiSTRjeEJIMW9XaEFBSVlSZ3VUMmFfclR3RGw2Qms1NU9NME5HWjdwMGhieWtqWDFMSWxEQVZkQkFCSVJMMTZtc0hUaHN6THBDSlJjajc4WFQ1N21mNkVnNWpkbHo0bmpxQ3lnSXBZYUE4ZFh6RndXT3E5S0ltbFhiYVdXaW5VNm5HaWs3WVcycEt4Uk9f?oc=5) · kimt.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4752 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "4752", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide