BlastPoint's Banking Scorecard

First Security Bank

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

Batesville, MS

19 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

First Security Bank demonstrates 5 strengths

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 35.9% in tier
+ ROA 0.15% above tier average
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 2.31% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$932.8M +0.6% YoY +2.7% QoQ	+$546.7M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	Top 2.6% in tier
Total Loans ?	$557.2M +5.6% YoY +2.6% QoQ	+$301.5M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	Top 7.6% in tier
Total Deposits ?	$847.2M -0.1% YoY +7.9% QoQ	+$519.2M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	Top 0.8% in tier
Return on Assets ?	1.42% +89.4% YoY +37.1% QoQ	+0.15%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	4.03% +6.9% YoY +3.6% QoQ	+0.10%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	62.97% -12.5% YoY -7.2% QoQ	-2.31%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.47% -7.6% YoY -29.4% QoQ	-0.41%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	65.77% +5.7% YoY -4.9% QoQ	-10.87%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	27.18% +3.5% YoY -3.8% QoQ	+5.16%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.33% +9.3% YoY -26.6% QoQ	-0.31%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	14.02% +1.5% YoY -0.4% QoQ	-1.81%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.28% +33.9% YoY -69.5% QoQ	+0.00%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 7.4% in tier

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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

#240 of 666 • Top 35.9% 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: 0.28%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.42%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $847.22M

Peer Median: $327.97M

#22 of 2664 Top 0.8% in $100M-$1B

Total Assets

size

Value: $932.83M

Peer Median: $386.08M

#70 of 2664 Top 2.6% in $100M-$1B

199

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#199 of 2664 Top 7.4% in $100M-$1B

203

Total Loans

size

Value: $557.21M

Peer Median: $255.72M

#203 of 2664 Top 7.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available