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First Security Bank (KY)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.50%Reward CheckingFREE eXtreme Checking
1.55%5-year CD60 Month Step Up CD
0.10%1-year CD10 Month No Penalty CD

Overview / Commentary
270-688-8878
313 Frederica Street
Owensboro, KY 42301

First Security Bank (KY) is headquartered in Owensboro and is the 21st largest bank in the state of Kentucky. It is also the 1,187th largest bank in the nation. It was established in 1997 and as of March of 2016, it had grown to 144 employees at 12 locations. First Security Bank (KY) has an A health rating.

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Reviews (2)

Go To ANOTHER Bank!!!

Posted by: marieshel | Feb 1, 2016

This bank is not customer focused at all. I would never have started an account here if I knew what I was in for. (I didnt actually start the account with first security, I started when it was integra but first security took over and what a nightmare that was! My first clue to run and I should have listened.)

The online banking website is useless and recently marked by Norton antivirus as UNSAFE! https://safeweb.norton.com/reviews?page=1&url=firstsecurity.net

Half the time I get locked out of my account after the 2nd sign in try and then it says, "Too many failed logins. Enter your username and click "Continue". It won't continue!!! How user friendly is that?

Most online sites give you THREE tries, firstsecurity.net gives you two tries only then locks you out. Then if I use a different browser on my computer or use my cell phone or other devices the site does not recognize me at all, even if I have used that browser or device before! Every time I have an issue, I wonder why I don't change banks. One of these days I will change banks, when I have the time to do so. Once First security begins losing business due to their terrible online banking system, maybe they will take the earnings they make after they give the customer NOTHING for our money and invest it in a good and customer friendly website. If you plan on using online banking, go to another bank! If you expect interest on your checking go to another bank. If you want to start a christmas or travel account with higher interest rates, don't do it as they shut down the account and move the funds to another account and then call it inactive hoping you forget about your funds. Useless bank policies.

Banking Relationships...Be Aware

Bank evaluates each customer for profitability over time. Those using the bank only for rewards checking to earn a good interest rate will soon discover that their rewards checking account will automatically be closed and their money transferred into a non-interest bearing account. This has happened to not only me, but three relatives and a friend. You should consider this bank for rewards checking if you: 1) Only need a rewards checking account for a short period of time, or 2) Plan to take out loans, etc., and make the bank your full banking partner according to one of their branch managers. Best of luck.



Health
A

Health Grade Components

Overall
FDIC Certificate #34524
Year Established1997
Employees144
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.76%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$594.4MM$548.5MM
LoansQ1 2016vs Q1 2015$493.7MM$440.4MM
DepositsQ1 2016vs Q1 2015$475.9MM$425.6MM
Equity CapitalQ1 2016vs Q1 2015$53.2MM$48.4MM
Loan Loss AllowanceQ1 2016vs Q1 2015$5.2MM$5.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.5MM$2.4MM
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates
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First Security Bank (KY) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$15kFREE eXtreme Checking
OTHER TIERS: 0.10% $15k+

First Security Bank (KY) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$10k-60 Month Step Up CD
0.60%$1k-12-23 Month CD
0.10%$10k-10 Month No Penalty CD
Locations

First Security Bank (KY) has 12 locations. Click to view all First Security Bank (KY) locations.