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
Unfavorable gap of $102.9M · efficiency ratio beats 92% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |