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First Security Bank, The

Overbrook, KS · Cert 4752 · Overbrook Bankshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Security Bank, The

Overbrook, KS · Cert 4752 · Overbrook Bankshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$225.6MAssets
$156.3MLoans
$191.4MDeposits
$20.4MEquity
Loan mix
89%RE $58.2M9%C&I $5.9M2%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $152.7M20%Noninterest $38.7MQ3 2024Q2 2026

Market Position · Wichita, KS · 2026 SOD (annual) · 0.4% share · #37 of 46 inst. · $0.1B of $23.2B

8.6% Sumner
15.1% Osage
0.1% Sedgwick
6.7% Kingman

Executive Summary

  • Earnings: ROA of 2.31%, up 186 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 2.00% of loans (+40 bps YoY), with net charge-offs at 0.33%.
  • Capital: tier 1 leverage ratio of 7.98%, down 66 bps from a year ago.
  • Funding: loans stand at 81.67% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.31%+186 bps YoY

Net Interest Margin (YTD, annualized)

2.61%-112 bps YoY

Efficiency Ratio (YTD, annualized)

50.83%-3,482 bps YoY

Tier 1 Leverage Ratio

7.98%-66 bps YoY

NIM

5.12%Q2 ’245.40%Q2 ’253.56%Q2 ’26+6%-30%

Non-interest income vs. expense

3.49%Q2 ’243.50%Q2 ’252.16%Q2 ’260%-83%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.41%0.46%0.45%0.65%0.59%0.64%2.31%+186 bps
Return on Equity4.53%4.70%5.13%5.07%7.16%6.59%7.67%26.71%+2,163 bps
Net Interest Margin3.57%3.51%3.73%3.73%4.00%3.89%4.01%2.61%-112 bps
Efficiency Ratio89.31%88.24%84.77%85.65%81.24%82.26%81.52%50.83%-3,482 bps
Non-Interest Burden3.13%3.04%3.09%3.12%3.16%3.11%3.18%0.54%-257 bps
Growth
Asset Growth (YoY)8.65%6.28%10.23%8.60%6.03%11.25%16.36%126.51%+11,790 bps
Loan Growth (YoY)7.51%3.37%1.84%-3.17%-5.43%2.35%-1.51%128.22%+13,139 bps
Deposit Growth (YoY)-1.02%-0.03%5.52%7.73%7.09%12.84%19.07%123.48%+11,574 bps
Asset Quality
Nonperforming Loans / Loans1.37%1.28%1.39%1.60%0.38%0.00%0.23%2.00%+40 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.00%0.12%0.00%0.33%+33 bps
Allowance / Loans1.24%1.27%1.20%1.24%1.26%1.10%1.14%1.09%-15 bps
Allowance Coverage of NPLs0.9x1.0x0.9x0.8x3.3x402.0x4.9x0.5x-0.2x
Capital
Tier 1 Leverage Ratio9.54%9.04%9.02%8.64%8.94%8.39%8.53%7.98%-66 bps
Total Risk-Based Capital13.07%12.99%13.17%13.31%13.70%12.58%12.94%12.27%-104 bps
Equity / Assets9.67%9.11%8.90%8.84%9.37%8.63%7.96%9.03%+19 bps
Liquidity & Funding
Loans / Deposits93.01%91.33%81.71%79.97%82.13%82.84%67.58%81.67%+170 bps
Liquid Assets / Assets4.46%4.66%3.46%3.72%2.73%2.33%1.29%1.54%-218 bps
CRE / Total Capitaln/an/an/an/a269%302%272%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Security Bank, The

Overbrook, KS · Cert 4752 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Overbrook Bankshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$225.6MAssets
$156.3MLoans
$191.4MDeposits
$20.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets operating in a single state (rank 64 of 746).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets operating in a single state (rank 688 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.53%

Rank 159 of 746

Net Interest Margin

2.61%

Rank 688 of 746

Efficiency Ratio

51.52%

Rank 128 of 746

Equity / Assets

9.03%

Rank 545 of 746

Non-interest income vs. expense

$3.7M$4.9MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state
Bank 51.52%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%0.72%1.06%1.45%Beats 79%159 / 746
Return on Equity17.00%6.74%10.51%13.63%Beats 91%64 / 746
Net Interest Margin2.61%3.17%3.68%4.16%Beats 8%688 / 746
Efficiency Ratio51.52%55.74%64.58%75.47%Beats 83%128 / 746
Asset Quality
Nonperforming Loans / Loans2.00%0.09%0.42%1.07%Beats 12%654 / 743
Net Charge-Offs / Loans0.17%0.00%0.01%0.05%Beats 10%671 / 743
Capital
Tier 1 Capital Ratio11.14%11.55%13.75%17.60%Beats 21%591 / 746
Total Risk-Based Capital Ratio12.27%11.71%14.33%18.43%Beats 30%519 / 746
Equity / Assets9.03%8.90%10.51%13.06%Beats 27%545 / 746
Liquidity & Funding
Loans / Deposits81.67%61.31%78.27%90.78%57th pctl323 / 746
Loans / Assets69.30%53.60%66.97%76.08%56th pctl329 / 746
Brokered Deposits / Depositsn/aNot reported for this institution