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 | |