# FIRST SECURITY BANK
UNION STAR, MO · FDIC certificate 1622 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $61.9M | |
| Deposits | $56.9M | |
| Loans and leases | $42.3M | |
| Total equity | $4.8M | |
| Loans / deposits | 73.45% (p50 of band) | 73.59% |
| Liquid assets / assets | 30.32% (p45 of band) | |
| Uninsured deposits / deposits | 16.11% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.96% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -3.88% (p61 of band) | -6.57% |
| AOCI / equity | -2.29% (p10 of band) | |
| ROA (annualized) | 1.06% (p43 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 59.90% (p35 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | 0.87% (p99 of band) | |
| Reserve coverage of noncurrent | 268.51% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 38.28% (p71 of band) | |
| Auto loans | $2.5M (5.98% of loans; DQ 0.55%, NCO -0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 3 | capital falling, noncurrent p90 |  |
| 2013-06 | 1 |  | capital falling, noncurrent p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | noncurrent p90, charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 2 | capital falling | noncurrent p90, charge-offs p90, uninsured deposits leaving |
| 2014-09 | 2 | charge-offs p90 | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | charge-offs p90 |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-07 [Brodersen named President/CEO of First Security Bank - The Mapleton Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNdjZ2OGtNYWpSU3M4R0laU0h1aGQzbXJXVWQ3em1vZ0dlUlU4MkxFWllOeGQ1QjhPNlh2N0Y3V1pMTlNaWER3STJOZG91YTl6SlFOMkdZVFBtdkhkWktGUXI2SkhZb1FKazVrLU1SSW5YdGd4ZEkzWUhEZE81V216U05NTGlSaU0wSnBaNnU5Qk5pUjBDU2VucVpYVQ?oc=5) · The Mapleton Press
- 2026-03-18 [Price to retire from Mountain West Bank after nearly 25 years - Idaho Business Review](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRzFrekxERWROOWxLbVVXVW5vOU1aTDJwcnZJcTdtWEFwZG5TbmdXZzJBR0VYc0djSDRLX01PRFdYdG5fNUctR3Y4Zk9nMjZ1RG1FMFRYeXB4RmZBRkNTUzhLOGU1OS1aclhJQllNSzR2cGFkVmhQcVgyQWU3MW1OSjYzc2lFcEUzQngxaklvVQ?oc=5) · Idaho Business Review
- 2026-01-07 [Springdale business representatives say increased immigration operations in Northwest Arkansas having effect on sales - hl.nwaonline.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQLU5aX1lpMXFFM003cUpwdDFCcndrTVpqNnhSSmVFUHU3VFpid2JnMGt2SXNfTTJBb01JbExtVEM1TldYM3dySEpNUlZxZVI2WXd5LUJQR25xbzNyQ1R0dkphMUlpb1JGSE1zRkRCS1R1TUlMMU11OVhNQ2lfc3VFY21BVnBZYkNNYkZsazY0THZfT2NlSDZV?oc=5) · hl.nwaonline.com
- 2024-03-19 [First Security Bank NLR President Davis Announces Retirement - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMid0FVX3lxTE50d1lVdl9LN2xGLTR3dWVMVEItdHZjaDROSnZsNWRQUnZLQi0zOGMxRUE3UG1VX0U0X3l3Wi1STUxLZGZsNkZSNzhhV3dJNThwaXc5aE1RSUpiVHRtVUY4N2QyMUhwVllvdUNSbDBpbjhtaWdmc0ln?oc=5) · Arkansas Money &amp; Politics
- 2020-01-28 [Congressman French Hill Joins Banks in Announcing $34K Grant to Arkansas Nonprofit - Congressman French Hill (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTFA5QXM1U0NRZFR5c3FkTWhSd0RodDFRdXJMaWpjcFlSTk9hZlR6R3Z3QTVaZWxmNEpKRVBXUHo0NlZMeF9sUEk2c19SWnVFMGxRR01VcnQ3bEJtcnNOYVl0LW1PVENqbTR3LXNsbzVVckg?oc=5) · Congressman French Hill (.gov)
- 2019-12-06 [Toys for Tots Bozeman drive taking place today at First Security Bank - montanarightnow.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQVVU4WkxjSjVuaTdXZnJoZERtNmxMc2xMRElwYi1ZRElVd250TUs2akF5clVMVkR0dmN6Y0JuLXdGbS1wamR4RXpXM2ExZ3pWUkE0cjFlNTFIdzVETDNsV3ZxMjA5azJra2NHcE5VWmpZazNjNUNhZFNTQUtOUFY3WVRZYThtTUFmaW8xYTcteU9mU0lQSDUybkVGNzA1UlR5UDM4Nkotd2VscGhYTFdjdmlKSG93MDN2NGNmTjkxYmRZQTlaNVkzbUhHM21lVlBFY29sWC1yVUx5M2w0Ui1peFRoaHNKRFR1WGJ3RzNVM2s?oc=5) · montanarightnow.com
- 2020-02-04 [Reynie Rutledge: Banking Turned Out to Be the Right Call - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVGtpV1czelJlbHFmX3JwZUZHeTFTZ0xVS1RKX2xSeEpHZUpZc0R1TjVrLTRobGF1VjNEcVVSOGhzMllsZFNnSWItVHJfdkZSY29nQkN4cl9vYWJNd3FHMnhJZEhHcjJsTEx2WFRJdXZOcVh1V2dLSDNZNFZYdVBOS2E4cjViYTZ0ekFrMmhSNkI?oc=5) · Arkansas Money &amp; Politics
- 2024-05-07 [ONE Razorback Roadshow set for eight-city bus tour beginning May 13 - Arkansas Razorbacks](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX0VkNmJ6WFlIMzBmbktVZmJhcGpBLUluZzNzSmVaQ0k4NmJNZUhXZEkwQTBSNl83LTR1THNQaV9aT1dUYTM0Y3p0ZE9HNVBIc0NaQTdkdnBuUTJMWU5Ycm14VnUwa25sQVZLQUNFaTZ3REhHVjMwUzZaZlBDX3F3ZWE3cnNHLXFNRTdQVHl1dnBzUjM3aHBCTVNWdUROVnBz?oc=5) · Arkansas Razorbacks

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1622 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "1622", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide