BlastPoint's Banking Scorecard

First Security Bank

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

Designations: ✓ Community bank

Searcy, AR

80 branches across AR · FL

884 banks in the $1B-$10B peer group nationally 19 in AR

First Security Bank has 3 strengths but faces 3 concerns

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 21.4% in tier
+ ROA 0.43% above tier average
+ Efficiency Ratio 16.48% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.2% in tier
- Credit Risk Growth: Bottom 38.1% in tier
- Net Interest Margin 0.28% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$8.4B +4.1% YoY +0.5% QoQ	+$5.6B	$2.8B -0.1% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	Top 3.7% in tier
Total Loans ?	$4.5B +8.7% YoY +1.6% QoQ	+$2.5B	$2.0B +0.6% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	Top 9.3% in tier
Total Deposits ?	$6.7B +2.1% YoY +1.6% QoQ	+$4.3B	$2.3B -0.3% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	Top 4.6% in tier
Return on Assets ?	1.79% +0.3% YoY -1.0% QoQ	+0.43%	1.37% +19.6% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	3.53% +7.6% YoY +2.4% QoQ	-0.28%	3.82% +6.9% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	44.58% +5.0% YoY +5.8% QoQ	-16.48%	61.06% -4.6% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Top 10.9% in tier
Delinquency Rate ?	0.14% +31.7% YoY -11.9% QoQ	-0.75%	0.89% +14.1% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	66.85% +6.5% YoY -0.0% QoQ	-17.36%	84.20% +0.3% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	Top 14.0% in tier
Non-Interest-Bearing Deposit Share ?	21.62% +1.3% YoY +6.7% QoQ	+0.34%	21.29% -2.5% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.07% +17.2% YoY -11.9% QoQ	-0.60%	0.67% +15.6% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	Top 10.7% in tier
Tier 1 Capital Ratio ?	20.47% +2.1% YoY -1.5% QoQ	+5.31%	15.16% +2.0% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Top 7.1% in tier
Non-Interest Income / Assets ?	0.12% +17.4% YoY -71.2% QoQ	-0.14%	0.26% +1.6% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	40%

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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

#48 of 220 • Top 21.4% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#38 of 513 • Bottom 7.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#161 of 420 • Bottom 38.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (9 metrics)

Total Assets

size

Value: $8.40B

Peer Median: $2.82B

#34 of 884 Top 3.7% in $1B-$10B

Total Deposits

size

Value: $6.67B

Peer Median: $2.34B

#42 of 884 Top 4.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.47%

Peer Median: 15.16%

#64 of 884 Top 7.1% in $1B-$10B

Total Loans

size

Value: $4.46B

Peer Median: $1.96B

#83 of 884 Top 9.3% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#96 of 884 Top 10.7% in $1B-$10B

Efficiency Ratio

profitability

Value: 44.58%

Peer Median: 61.06%

#97 of 884 Top 10.9% in $1B-$10B

125

Loan-to-Deposit Ratio

liquidity

Value: 66.85%

Peer Median: 84.20%

#125 of 884 Top 14.0% in $1B-$10B

136

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 0.89%

#136 of 880 Top 15.3% in $1B-$10B

144

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.37%

#144 of 884 Top 16.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available