Security Bank of Kansas City

What Security Bank of Kansas City does

Security Bank of Kansas City is a privately-held, state-chartered community bank founded in 1933 and headquartered at 701 Minnesota Avenue, Kansas City, Kansas, serving the Kansas City metropolitan area across Kansas and Missouri. It operates 30+ full-service Banking Centers supplemented by Live Teller ATMs and provides consumer checking, savings, CDs, IRAs, credit cards, mortgage and consumer lending, personal trust, and investment services to individuals and families, as well as business checking, money market, merchant card processing, and a Treasury Management platform (ACH, wires, Positive Pay, Lockbox, Express Deposit) to small businesses and not-for-profit organizations. Banking is delivered through a multi-channel stack: a Live Teller ATM network, a regional branch system, a consumer mobile app (SBKC Mobile on iOS and Android), a web-based online banking platform with an online account-opening funnel, a 24-hour telephone banking line, and partner-integrated features for Autobooks invoicing, Pinwheel direct-deposit switching, SavvyMoney credit reporting, and QuickBooks data sync.

The bank monetizes primarily through net interest income on mortgage, home equity, consumer, and business loans, supplemented by recurring deposit-account service charges (e.g., $5-$10 monthly fees on business checking tiers, often waived on balance), card and ATM fees, transaction-based treasury fees (ACH, wire, lockbox, Positive Pay), merchant processing residuals via the BASYS Processing partnership, and investment and trust fee streams. Its go-to-market is horizontal across consumer, small-business, and not-for-profit segments with locally underwritten decisions, a regional brand recognized consecutively as Kansas City's "Strongest Large Bank" by the Kansas City Business Journal (2025 and 2026), and a 251-500 employee base. There is no public equity, private equity, or institutional investor ownership disclosed, and no acquisitions, funding rounds, or peer-company combination activity are documented.

Name

Security Bank of Kansas City

Legal name

Security Bank of Kansas City

Website

https://securitybankkc.com

Company type

Private

Founded year

1933

Operating status

Operating

Headcount range

251–500 employees

Short description

Security Bank of Kansas City is a privately-held community bank founded in 1933 that operates 30+ Banking Centers across the Kansas City metro, offering consumer and small-business deposit, lending, treasury management, and merchant processing through branches, Live Teller ATMs, and digital banking.

Ownership category

akta.pro rank

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices37 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Interest earned on loans including mortgages, home equity lines, consumer loans, and business loans
2. Deposit Account Fees: Monthly service charges and per-item fees on business and personal checking accounts
3. Treasury Management Services: ACH payments, wire transfers, lockbox services, Positive Pay fraud tools with associated fees
4. Merchant Card Processing: Credit and debit card processing services for business merchants through BASYS Processing partnership
5. Card and ATM Fees: Fees from debit cards, credit cards, and ATM usage
6. Investment and Trust Services: Investment products, retirement accounts, CDs, IRAs, and personal trust services

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

Security Bank of Kansas City is a community bank offering personal and business banking products and services through 30+ Banking Centers and digital channels. Its consumer line includes personal checking, savings, CDs/IRAs, credit cards, mortgages, HELOCs, consumer loans, investments, and personal trust services. Its business line provides business checking accounts, a Treasury Management platform with ACH, wire transfers, Positive Pay, and Express Deposit, plus merchant card processing and Autobooks invoicing for small businesses.

Product overview

Security Bank of Kansas City is a regional community bank offering a unified suite of consumer and business banking products and services. Its consumer offerings span personal checking, savings, CDs and IRAs, credit cards, mortgage and home equity products, consumer loans, investments, and trust services, supported by digital platforms including Online Banking, an SBKC Mobile App (iOS and Android), and Digital Wallet integration with Apple Pay, Google Pay, and Samsung Wallet. Business banking centers on a Treasury Management platform complemented by a range of deposit and lending products (Business Checking, Small Business Checking, Interest Checking, Money Market, and Not-For-Profit Accounts). Business tools include Merchant Card Processing (via BASYS Processing partnership), Autobooks for small business invoicing and accounting, Express Deposit for remote check scanning, ACH Payments, Positive Pay fraud tools, Lockbox, and Wire Transfers. Customer-facing digital features include Credit Score & Report, Bill Pay, Mobile Deposit, QuickPay with Alexa, Refer-A-Friend, and Security Bank Rewards. The bank operates multiple Banking Centers throughout the Kansas City metro area with select Live Teller ATM locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking account offerings with various features including online banking access and debit card for individual banking customers.
• Personal Savings Savings account options for personal banking customers.
• CDs and IRAs Certificate of deposit and Individual Retirement Account products for personal savers and retirement planners.
• Consumer Credit Card Credit card products issued by the bank for consumer use.
• Investments and Retirement Investment and retirement planning products and services for personal banking customers.
• Personal Trust Trust services for personal customers including estate planning and trust administration.
• Home Loans Home loan products including purchase mortgages and refinance options for homeowners and homebuyers.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity for various financial needs.
• Consumer Loans Personal loans for various needs including lifestyle expenses and unexpected events.
• Business Checking Business checking account with earnings credit, free eStatements, and item-based fee structure for business customers.
• Business Money Market Business money market account with tiered interest rates and limited monthly withdrawals.
• Not-For-Profit Checking Checking accounts tailored for nonprofit organizations with discounted transaction fees.
• Online Banking Web-based platform providing account management, transfers, bill pay, account alerts, secure messaging, and access to additional services like credit score and Autobooks.
• SBKC Mobile App Mobile banking application for iOS and Android enabling account access, transfers, mobile deposit, card management, and other banking functions on smartphones and tablets.
• Treasury Management Enterprise-grade business banking platform providing secure access to advanced reporting, customizable dashboards, ACH origination, wire transfers, Positive Pay fraud tools, Express Deposit, and account reconciliation tools.
• Merchant Card Processing Credit and debit card processing services for businesses including terminals, virtual terminals, POS (Clover), mobile processing, e-commerce, and software integrations, provided in partnership with BASYS Processing.
• Autobooks Online accounting and invoicing solution for small businesses enabling electronic invoicing, online payment acceptance, invoice tracking, estimates, and accounting, integrated within Online Banking.

Quantifiable outcome

• Ranked as Strongest Large Bank in Kansas City by Kansas City Business Journal
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• BASYS ProcessingcoreTechnology or IntegrationSecurity Bank of Kansas City partnered with BASYS Processing to offer credit card processing services including terminal solutions, virtual terminals, POS systems, mobile processing, e-commerce, and software integration for business merchants.
• AutobookscoreTechnology or IntegrationAutobooks is integrated into online and mobile banking for small business invoicing, online payment acceptance, invoice tracking, estimates, and small business accounting. Allows sending professional invoices and accepting online payments.
• PinwheelcoreTechnology or IntegrationPinwheel provides direct deposit setup functionality through online banking, allowing customers to quickly and easily set up direct deposit to their Security Bank accounts.
• EPCORminorStrategic or Co-development PartnerEPCOR is a not-for-profit payments association that provides payments expertise through education, advice, and member representation. Security Bank distributes EPCOR newsletters (Payments Insider) to business customers.
• MastercardcoreTechnology or IntegrationMastercard is the card network for Security Bank's debit and credit cards. Provides Digital Wallet support (Apple Wallet, Google Wallet, Samsung Wallet), Easy Savings program for business debit, and ID theft protection.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank of America: National megabank with a significant KC retail and commercial franchise. Competes for consumer deposits, mortgages, and small business banking with a heavily digitized delivery model.
• U.S. Bank: Major national bank with a strong KC regional presence and full consumer, commercial, treasury, and payments product suite. Competes directly for local SMB and consumer relationships and exerts sustained pricing pressure on community banks.
• Wells Fargo: Large national bank with established KC metro retail and commercial presence. Competes for both consumer deposit and SMB banking relationships, leveraging scale advantages in technology and product breadth.
• JPMorgan Chase: National incumbent with deep KC retail branch presence, dominant deposit franchise, and aggressive consumer and SMB product roadmap. Sets the competitive baseline for digital capabilities and deposit pricing against which Security Bank must differentiate.

Direct peers

• UMB Bank: Kansas City-based regional bank with strong commercial, treasury, and asset management franchises. Competes head-to-head for KC metro consumer deposits, SMB checking, and middle-market commercial banking relationships.
• Commerce Bank: Kansas City-headquartered super-regional bank offering consumer, commercial, and treasury banking across the KC metro and broader Midwest. Direct competitor for KC consumer and SMB relationships, with similar community-bank DNA but materially larger balance sheet and broader geographic footprint.
• NBKC Bank: Kansas City-based community bank known for digital-first consumer and small business banking, including treasury and payments. Closest direct peer in geography and customer base, competing on technology and convenience rather than branch density.
• Country Club Bank: Kansas City-headquartered privately-held community bank offering consumer, commercial, mortgage, and wealth management services. Closest direct local competitor in KC metro with comparable scale and community-bank positioning.

Regional players

• Arvest Bank: Regional community bank operating across Kansas, Missouri, Arkansas, and Oklahoma with similar community-bank positioning and full consumer/business product set. Comparable as a peer Midwest community bank with multi-state, multi-metro footprint.
• First Bank (FB Financial / FirstBank): Mid-sized regional bank serving multiple Midwestern markets including KC-adjacent geographies with consumer and commercial banking. Comparable as a mid-size regional competitor expanding into Security Bank's footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights8 records

Customer concentration

• Xx.com/securitybankkc
• YouTubeyoutube.com/securitybankofkansascity
• Facebookfacebook.com/lookfortheleaf
• LinkedInlinkedin.com/company/security-bank-of-kansas-city
• Instagraminstagram.com/securitybankkc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Security Bank of Kansas City