BlastPoint's Banking Scorecard

First Security Bank

$100M-$1B Specialty: Commercial MS FDIC cert 17120

Batesville, MS

19 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
Deposits +2.9% year over year ($837.7M on the books).
Delinquency rate 0.56%.
Return on assets 1.33%.
Efficiency ratio 63.71% vs a 64.48% peer average.
Loan-to-deposit ratio 71.39% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

First Security Bank shows strong momentum with 4 strengths and 6.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 49.0% in tier
+ Net Interest Margin 0.06% above tier average
+ Efficiency Ratio 0.77% below tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$976.5M +6.4% YoY +4.7% QoQ	+$590.0M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Top 0.9% in tier
Total Loans ?	$598.1M +9.8% YoY +7.3% QoQ	+$339.7M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	Top 6.1% in tier
Total Deposits ?	$837.7M +2.9% YoY -1.1% QoQ	+$511.0M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	Top 0.9% in tier
Return on Assets ?	1.33% +40.1% YoY -6.6% QoQ	+0.01%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	4.05% +4.4% YoY +0.5% QoQ	+0.06%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	63.71% -7.4% YoY +1.2% QoQ	-0.77%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	0.56% -35.0% YoY +17.2% QoQ	-0.36%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	71.39% +6.8% YoY +8.6% QoQ	-6.56%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	27.86% +0.9% YoY +2.5% QoQ	+5.83%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.42% -17.7% YoY +28.9% QoQ	-0.24%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	13.62% -2.9% YoY -2.8% QoQ	-2.29%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.50% +12.2% YoY +77.7% QoQ	-0.07%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 9.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	27.9% +0.2pp YoY +0.7pp QoQ	+5.7pp	22.1%	23.1%	22.2%	76%
Brokered Deposits	n/a	n/a	7.9%	3.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	8.3% +0.7pp YoY +1.4pp QoQ	-3.2pp	11.6%	12.4%	12.5%	42%
CRE	48.3% -2.2pp YoY -1.4pp QoQ	+8.7pp	39.5%	42.3%	41.4%	68%
1-4 Family	30.6% +1.0pp YoY -0.8pp QoQ	-2.1pp	32.6%	33.1%	31.3%	52%
Consumer	3.8% -0.4pp YoY -0.3pp QoQ	-0.3pp	4.1%	5.6%	5.0%	68%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	13.6% -0.4pp YoY -0.4pp QoQ	-5.2pp	18.8%	16.5%	19.7%	35%
Leverage Ratio	9.3% +0.1pp YoY +0.1pp QoQ	-2.9pp	12.2%	11.9%	12.6%	17%
Total Capital Ratio	14.9% -0.4pp YoY -0.4pp QoQ	-5.1pp	19.9%	17.7%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	198 -10 (-4.8%) YoY 0 QoQ	+139	58	297	482	99%
Assets per Employee ($)	$4.9M +11.8% YoY +4.7% QoQ	-$2.6M	$7.5M	$6.2M	$8.8M	14%
Branch Count	19 +1 (+5.6%) YoY +1 (+5.6%) QoQ	+14	4	22	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	33%
Nonaccrual	0.5% -0.3pp YoY +0.1pp QoQ	-0.4pp	0.9%	0.9%	1.0%	54%
Allowance Coverage	2.39x +47.0% YoY -18.3% QoQ	-21.77x	24.15x	4.87x	20.23x	52%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	67%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	15.2% +3.6pp YoY -1.0pp QoQ	+3.1pp	12.2%	11.7%	11.6%	69%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.8%	1.7%	51%
Net Income ($, YTD)	$6.2M +45.3% YoY — QoQ	+$3.7M	$2.6M	$13.8M	$40.4M	93%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#325 of 661 • Top 49.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.50%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.33%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Assets

size

Value: $976.54M

Peer Median: $386.57M

#25 of 2643 Top 0.9% in $100M-$1B

Total Deposits

size

Value: $837.74M

Peer Median: $326.73M

#25 of 2643 Top 0.9% in $100M-$1B

163

Total Loans

size

Value: $598.09M

Peer Median: $258.35M

#163 of 2643 Top 6.1% in $100M-$1B

258

Non-Interest Income / Assets

revenue_mix

Value: 0.50%

Peer Median: 0.57%

#258 of 2643 Top 9.7% in $100M-$1B

642

Non-Interest-Bearing Deposit Share

funding

Value: 27.86%

Peer Median: 22.03%

#642 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available