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
Unfavorable gap of $1.2M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.72% | 1.06% | 1.45% | Beats 79% | 159 / 746 | |
| Return on Equity | 17.00% | 6.74% | 10.51% | 13.63% | Beats 91% | 64 / 746 | |
| Net Interest Margin | 2.61% | 3.17% | 3.68% | 4.16% | Beats 8% | 688 / 746 | |
| Efficiency Ratio | 51.52% | 55.74% | 64.58% | 75.47% | Beats 83% | 128 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.00% | 0.09% | 0.42% | 1.07% | Beats 12% | 654 / 743 | |
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.01% | 0.05% | Beats 10% | 671 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.55% | 13.75% | 17.60% | Beats 21% | 591 / 746 | |
| Total Risk-Based Capital Ratio | 12.27% | 11.71% | 14.33% | 18.43% | Beats 30% | 519 / 746 | |
| Equity / Assets | 9.03% | 8.90% | 10.51% | 13.06% | Beats 27% | 545 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 81.67% | 61.31% | 78.27% | 90.78% | 57th pctl | 323 / 746 | |
| Loans / Assets | 69.30% | 53.60% | 66.97% | 76.08% | 56th pctl | 329 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |