BlastPoint's Banking Scorecard

First Security Bank

$1B-$10B Specialty: Commercial AR FDIC cert 5633

Designations: ✓ Community bank

Searcy, AR

81 branches across AR · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
Deposits +3.6% year over year ($6.8B on the books).
Delinquency rate 0.15%.
Return on assets 1.85%.
Efficiency ratio 43.46% vs a 59.73% peer average.
Loan-to-deposit ratio 66.12% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 20 in AR

View $1B-$10B leaderboard (AR) →

First Security Bank has 3 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 30.3% in tier
+ Efficiency Ratio 16.27% below tier average
+ ROA 0.46% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.29% below tier average

Get updates when First Security Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$8.6B +5.2% YoY +2.1% QoQ	+$5.8B	$2.8B -0.6% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	Top 3.2% in tier
Total Loans ?	$4.5B +7.6% YoY +0.9% QoQ	+$2.5B	$2.0B -0.3% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 8.9% in tier
Total Deposits ?	$6.8B +3.6% YoY +2.0% QoQ	+$4.5B	$2.3B -0.5% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Top 3.7% in tier
Return on Assets ?	1.85% +4.3% YoY +3.3% QoQ	+0.46%	1.39% +17.0% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	3.58% +6.3% YoY +1.3% QoQ	-0.29%	3.87% +6.2% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	43.46% +1.8% YoY -2.5% QoQ	-16.27%	59.73% -12.6% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	Top 9.9% in tier
Delinquency Rate ?	0.15% -10.0% YoY +5.6% QoQ	-0.72%	0.87% +11.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	66.12% +3.9% YoY -1.1% QoQ	-18.92%	85.04% -0.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	Top 11.8% in tier
Non-Interest-Bearing Deposit Share ?	20.61% -0.5% YoY -4.7% QoQ	-0.66%	21.27% -1.5% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.08% -5.0% YoY +8.9% QoQ	-0.59%	0.67% +11.7% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Top 13.0% in tier
Tier 1 Capital Ratio ?	20.73% +2.5% YoY +1.3% QoQ	+5.89%	14.84% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Top 6.4% in tier
Non-Interest Income / Assets ?	0.23% +11.8% YoY +93.7% QoQ	-0.30%	0.53% +2.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	37%

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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	20.6% -0.1pp YoY -1.0pp QoQ	-0.8pp	21.4%	19.6%	22.2%	54%
Brokered Deposits	n/a	n/a	9.5%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	18.1% +3.1pp YoY +0.6pp QoQ	+4.1pp	14.0%	12.7%	12.5%	76%
CRE	61.5% -4.7pp YoY -0.6pp QoQ	+11.5pp	50.0%	41.0%	41.4%	78%
1-4 Family	15.4% +2.5pp YoY +0.3pp QoQ	-11.0pp	26.4%	28.1%	31.3%	32%
Consumer	0.9% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.7%	4.5%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	20.7% +0.5pp YoY +0.3pp QoQ	+5.1pp	15.6%	15.1%	19.7%	92%
Leverage Ratio	15.6% +0.6pp YoY 0.0pp QoQ	+4.3pp	11.3%	11.9%	12.6%	94%
Total Capital Ratio	22.0% +0.5pp YoY +0.3pp QoQ	+5.3pp	16.7%	16.3%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	934 +29 (+3.2%) YoY +32 (+3.5%) QoQ	+620	313	315	482	97%
Assets per Employee ($)	$9.2M +2.0% YoY -1.4% QoQ	-$1.3M	$10.5M	$6.7M	$8.8M	56%
Branch Count	81 +1 (+1.2%) YoY 0 QoQ	+61	20	25	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.1%	1.0%	16%
Allowance Coverage	15.68x -1.1% YoY -4.6% QoQ	-3.03x	18.71x	4.69x	20.23x	93%
Net Charge-off Rate (YTD)	0.5% +0.4pp YoY -0.5pp QoQ	+0.2pp	0.3%	0.2%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	13.3% -1.2pp YoY +0.4pp QoQ	+0.7pp	12.6%	12.3%	11.6%	59%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.9%	2.0%	1.7%	36%
Net Income ($, YTD)	$78.2M +9.3% YoY — QoQ	+$58.9M	$19.2M	$16.0M	$40.4M	98%

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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)

Credit Quality Leader

growth

#68 of 221 • Top 30.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | 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 885 peers in $1B-$10B

Top Strengths (9 metrics)

Total Assets

size

Value: $8.58B

Peer Median: $2.79B

#29 of 885 Top 3.2% in $1B-$10B

Total Deposits

size

Value: $6.80B

Peer Median: $2.32B

#34 of 885 Top 3.7% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.73%

Peer Median: 14.84%

#58 of 885 Top 6.4% in $1B-$10B

Total Loans

size

Value: $4.50B

Peer Median: $1.96B

#80 of 885 Top 8.9% in $1B-$10B

Efficiency Ratio

profitability

Value: 43.46%

Peer Median: 59.73%

#89 of 885 Top 9.9% in $1B-$10B

105

Loan-to-Deposit Ratio

liquidity

Value: 66.12%

Peer Median: 85.04%

#105 of 885 Top 11.8% in $1B-$10B

116

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.67%

#116 of 885 Top 13.0% in $1B-$10B

144

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.39%

#144 of 885 Top 16.2% in $1B-$10B

150

Delinquency Rate

credit_quality

Value: 0.15%

Peer Median: 0.87%

#150 of 882 Top 16.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available