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First Security Bank

Searcy, AR · Cert 5633 · First Security Bcorp

State charter, Fed member · FED · 80 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Security Bank

Searcy, AR · Cert 5633 · First Security Bcorp

State charter, Fed member · FED · 80 branches

Q2 2026

$8.6BAssets
$4.6BLoans
$6.8BDeposits
$1.2BEquity
Loan mix
81%RE $3.5B18%C&I $0.8B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $5.4B21%Noninterest $1.4BQ2 2025Q2 2026

NIM

4.61%Q2 ’244.76%Q2 ’254.81%Q2 ’26+10%+7%

Non-interest income vs. expense

1.43%Q2 ’241.47%Q2 ’251.62%Q2 ’26+2%+9%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 7.5% share · #5 of 42 inst. · $2.8B of $36.9B

4.7% Pulaski
13.4% Washington
51.7% White
23.0% Faulkner

Executive Summary

  • Earnings: ROA of 1.85%, up 8 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.14% of loans (-2 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 15.60%, up 56 bps from a year ago.
  • Funding: loans stand at 67.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+22 bps YoY

Efficiency Ratio (YTD, annualized)

43.46%+78 bps YoY

Tier 1 Leverage Ratio

15.60%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.79%1.81%1.79%1.85%+8 bps
Return on Equity14.48%14.32%14.06%12.91%13.27%-121 bps
Net Interest Margin3.05%3.08%3.10%3.30%3.27%+22 bps
Efficiency Ratio42.67%42.11%42.13%44.58%43.46%+78 bps
Non-Interest Burden1.07%1.06%1.07%1.21%1.16%+10 bps
Growth
Asset Growth (YoY)2.58%2.56%5.08%4.08%5.23%+265 bps
Loan Growth (YoY)3.67%6.08%4.93%8.35%7.32%+364 bps
Deposit Growth (YoY)5.56%5.05%1.41%2.08%3.57%-200 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.15%0.15%0.14%0.14%-2 bps
Net Charge-Offs / Loans0.05%0.04%0.03%0.94%0.46%+41 bps
Allowance / Loans2.54%2.49%2.48%2.25%2.26%-27 bps
Allowance Coverage of NPLs15.9x17.1x16.0x16.4x15.7x-0.2x
Capital
Tier 1 Leverage Ratio15.04%15.33%15.54%15.60%15.60%+56 bps
Total Risk-Based Capital21.48%21.84%22.03%21.72%21.99%+51 bps
Equity / Assets12.37%13.24%14.23%13.51%14.10%+173 bps
Liquidity & Funding
Loans / Deposits65.29%65.87%68.56%68.39%67.65%+236 bps
Liquid Assets / Assets5.75%6.23%3.75%4.47%5.32%-44 bps
CRE / Total Capitaln/a214%203%207%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Security Bank

Searcy, AR · Cert 5633 · Peer group: banks $1B-$10B in assets (n=322-328) · First Security Bcorp

State charter, Fed member · FED · 80 branches

Q2 2026

$8.6BAssets
$4.6BLoans
$6.8BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets (rank 27 of 328).
  • Widest gap: net charge-offs / loans trails 88% of banks $1B-$10B in assets (rank 283 of 322).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.82%

Rank 37 of 328

Net Interest Margin

3.27%

Rank 202 of 328

Efficiency Ratio

43.46%

Rank 27 of 328

Equity / Assets

14.10%

Rank 35 of 328

Non-interest income vs. expense

$39.8M$142.7MINCOMEEXPENSE
Unfavorable gap of $102.9M · efficiency ratio beats 92% of banks $1B-$10B in assets
Bank 43.46%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%0.91%1.22%1.52%Beats 89%37 / 328
Return on Equity12.92%8.43%11.45%14.43%Beats 63%122 / 328
Net Interest Margin3.27%3.03%3.45%3.83%Beats 38%202 / 328
Efficiency Ratio43.46%51.61%59.56%67.53%Beats 92%27 / 328
Asset Quality
Nonperforming Loans / Loans0.14%0.24%0.51%1.03%Beats 83%55 / 322
Net Charge-Offs / Loans0.24%0.01%0.03%0.10%Beats 12%283 / 322
Capital
Tier 1 Capital Ratio20.73%11.75%13.15%15.47%Beats 92%26 / 328
Total Risk-Based Capital Ratio21.99%12.63%14.15%16.46%Beats 92%26 / 328
Equity / Assets14.10%9.15%10.33%12.01%Beats 89%35 / 328
Liquidity & Funding
Loans / Deposits67.65%76.63%87.92%95.36%13th pctl280 / 323
Loans / Assets53.61%65.18%74.15%79.98%10th pctl294 / 328
Brokered Deposits / Depositsn/aNot reported for this institution