Searcy, AR · Cert 5633 · First Security Bcorp
State charter, Fed member · FED · 80 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
91
Asset Quality
48
Profitability
63
Liquidity
13
Efficiency
92
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.
Searcy, AR · Cert 5633 · First Security Bcorp
State charter, Fed member · FED · 80 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 7.5% share · #5 of 42 inst. · $2.8B of $36.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.62% | 1.79% | 1.77% | 1.79% | 1.81% | 1.79% | 1.85% | +8 bps | |
| Return on Equity | 10.60% | 11.69% | 14.64% | 14.48% | 14.32% | 14.06% | 12.91% | 13.27% | -121 bps | |
| Net Interest Margin | 2.76% | 2.82% | 3.01% | 3.05% | 3.08% | 3.10% | 3.30% | 3.27% | +22 bps | |
| Efficiency Ratio | 45.12% | 43.57% | 42.46% | 42.67% | 42.11% | 42.13% | 44.58% | 43.46% | +78 bps | |
| Non-Interest Burden | 1.03% | 0.98% | 1.05% | 1.07% | 1.06% | 1.07% | 1.21% | 1.16% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 3.82% | 0.91% | 2.58% | 2.56% | 5.08% | 4.08% | 5.23% | +265 bps | |
| Loan Growth (YoY) | 5.68% | 5.50% | 1.24% | 3.67% | 6.08% | 4.93% | 8.35% | 7.32% | +364 bps | |
| Deposit Growth (YoY) | 3.85% | 5.38% | 4.78% | 5.56% | 5.05% | 1.41% | 2.08% | 3.57% | -200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.18% | 0.10% | 0.16% | 0.15% | 0.15% | 0.14% | 0.14% | -2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.13% | 0.05% | 0.04% | 0.03% | 0.94% | 0.46% | +41 bps | |
| Allowance / Loans | 2.53% | 2.49% | 2.54% | 2.54% | 2.49% | 2.48% | 2.25% | 2.26% | -27 bps | |
| Allowance Coverage of NPLs | 18.8x | 13.7x | 24.6x | 15.9x | 17.1x | 16.0x | 16.4x | 15.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.05% | 14.20% | 14.85% | 15.04% | 15.33% | 15.54% | 15.60% | 15.60% | +56 bps | |
| Total Risk-Based Capital | 21.94% | 20.54% | 21.31% | 21.48% | 21.84% | 22.03% | 21.72% | 21.99% | +51 bps | |
| Equity / Assets | 13.33% | 12.02% | 12.37% | 12.37% | 13.24% | 14.23% | 13.51% | 14.10% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.23% | 66.26% | 64.43% | 65.29% | 65.87% | 68.56% | 68.39% | 67.65% | +236 bps | |
| Liquid Assets / Assets | 10.41% | 4.82% | 6.79% | 5.75% | 6.23% | 3.75% | 4.47% | 5.32% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 214% | 203% | 207% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 0.91% | 1.22% | 1.52% | Beats 89% | 37 / 328 | ||
| Return on Equity | 12.92% | 8.43% | 11.45% | 14.43% | Beats 63% | 122 / 328 | ||
| Net Interest Margin | 3.27% | 3.03% | 3.45% | 3.83% | Beats 38% | 202 / 328 | ||
| Efficiency Ratio | 43.46% | 51.61% | 59.56% | 67.53% | Beats 92% | 27 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.24% | 0.51% | 1.03% | Beats 83% | 55 / 322 | ||
| Net Charge-Offs / Loans | 0.24% | 0.01% | 0.03% | 0.10% | Beats 12% | 283 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.73% | 11.75% | 13.15% | 15.47% | Beats 92% | 26 / 328 | ||
| Total Risk-Based Capital Ratio | 21.99% | 12.63% | 14.15% | 16.46% | Beats 92% | 26 / 328 | ||
| Equity / Assets | 14.10% | 9.15% | 10.33% | 12.01% | Beats 89% | 35 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.65% | 76.63% | 87.92% | 95.36% | 13th pctl | 280 / 323 | ||
| Loans / Assets | 53.61% | 65.18% | 74.15% | 79.98% | 10th pctl | 294 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||