Total Assets
$59M
Total balance-sheet footings
FDIC Cert #1622 · Union Star, Missouri · Est. 1890
First Security Bank - FDIC Bank Health Profile
A community-scale look at First Security Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $59M
- Total assets
- B
- Health grade · Good
- 1.00%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
First Security Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 13.78% Tier 1, profitable at 1.00% ROA, 64% efficiency ratio.
- #4,060
- largest of 4,313 FDIC banks by assets
- 6th
- percentile by asset size, nationally
- 13.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Security Bank's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Security Bank's composite health score
Tier 1 Capital Ratio (13.78%) 35/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (7.37%) 16/20
Efficiency Ratio (64.14%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$54M
Customer-funded liabilities
Net Loans
$42M
Outstanding loan book
Net Income
$588K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Security Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Security Bank's score of 79/100 falls in the highlighted band.
First Security Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Security Bank's $59M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.78%
Texas Ratio
7.37%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
13.09%
Efficiency Ratio
64.14%
What the numbers say about First Security Bank
First Security Bank is an FDIC-insured institution (Certificate #1622) headquartered in Union Star, Missouri, established in 1890. It holds $59M in total assets - 4,060th of 4,313 FDIC-insured banks, $54M in customer deposits, and $42M in net loans. Looking at capital strength, Tier 1 stands at 13.78%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.37%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, First Security Bank ranks 196th of 198 banks based in Missouri -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$80K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Security Bank reports a Texas Ratio of 7.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Security Bank (FDIC Cert #1622) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is First Security Bank's health grade?▼
First Security Bank receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Security Bank?▼
First Security Bank holds $59M in total assets and $54M in deposits, ranking 4,060th of 4,313 FDIC-insured banks by asset size. It is headquartered in Union Star, Missouri.
Is my money safe at First Security Bank?▼
Yes, deposits at First Security Bank (Certificate #1622) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Security Bank's Tier 1 Capital Ratio?▼
First Security Bank has a Tier 1 Capital Ratio of 13.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Security Bank?▼
First Security Bank has a Texas Ratio of 7.37%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Security Bank?▼
First Security Bank has an Efficiency Ratio of 64.14%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Security Bank's profile as a depositor or analyst.
- First Security Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Security Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.