Security State Bank
Scott City, Kansas, Scott County
$1.0B in total assets, the 1,036th largest of 4,309 US banks and 20th of 185 headquartered in Kansas.
- FDIC certificate
- 18374
- Established
- 1961
- Owned by
- Security Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.ssbscott.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $1.6B | |
| Loans | $761M | 21% | $1.1B | |
| Deposits | $728M | 5% | $1.3B | |
| Return on assets | 1.40% | 47% | 1.43% | |
| Net interest margin | 3.61% | 26% | 3.87% | |
| Efficiency ratio | 46.8% | 16% | 60.4% | |
| Equity to assets | 10.78% | 58% | 10.11% | |
| Loans to deposits | 105% | 95% | 81% |
Growth
Total assets grew 24.7% a year over the last 5 years and 16.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2024 | The Valley State Bank Syracuse, KS | $299M |
Where they operate
5 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Scott County, KS | $453M | 68.6% | 1 of 3 |
| Finney County, KS | $147M | 12.8% | 5 of 9 |
| Hamilton County, KS | $80M | 33.9% | 2 of 2 |
| Wichita County, KS | $49M | 30.1% | 2 of 2 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (2 to 5, +150.0%). 1 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2024 | Acquired The Valley State Bank | 2 | 0 | +2 | 4 |
| 2025 | Opened Garden City | 1 | 0 | +1 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 25% | 6% | |
| Agricultural | 21% | 5% | |
| Commercial real estate | 19% | 32% | |
| Business (C&I) | 16% | 14% | |
| 1-4 family residential | 11% | 25% | |
| Construction and land | 5% | 8% | |
| Consumer | 3% | 2% | |
| Multifamily | 0% | 6% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 68% | 24% | |
| Other interest-bearing | 20% | 54% | |
| Noninterest-bearing | 12% | 22% |
Brokered deposits are 15.2% of deposits (peers 4.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.26% | 0.62% |
| Net charge-offs, annualized | 0.11% | 0.05% |
| Reserves to loans | 0.97% | 1.29% |
| Leverage ratio | 10.23% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Scott County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/security-state-bank-scott-city-ks