# SECURITY BANK
STEPHENS, AR · FDIC certificate 16395 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $61.8M | |
| Deposits | $53.0M | |
| Loans and leases | $52.6M | |
| Total equity | $7.6M | |
| Loans / deposits | 97.67% (p89 of band) | 71.75% |
| Liquid assets / assets | 10.50% (p4 of band) | |
| Uninsured deposits / deposits | 6.29% (p7 of band) | 18.89% |
| Brokered deposits | 5.07% | |
| Wholesale funding | 5.07% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.49% (p61 of band) | 11.46% |
| Unrealized securities loss / equity | -2.37% (p80 of band) | -15.99% |
| AOCI / equity | 0.03% (p65 of band) | |
| ROA (annualized) | 1.01% (p57 of band) | 0.90% |
| Net interest margin | 4.00% (p69 of band) | 3.52% |
| Efficiency ratio | 73.53% (p57 of band) | |
| Noncurrent loans | 0.01% (p27 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 27366.67% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 61.56% (p80 of band) | |
| Auto loans | $1.1M (2.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.9% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | construction >100% equity | capital falling |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | charge-offs p90 | construction >100% equity |
| 2014-06 | 2 | brokered >10% | reserve under noncurrent |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 | capital falling | brokered >10%, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | capital falling |
| 2016-06 | 1 | brokered >10% | charge-offs p90 |
| 2016-09 | 3 | capital falling, charge-offs p90 |  |
| 2016-12 | 1 |  | capital falling, charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 2 | uninsured deposits leaving |  |
| 2018-06 | 1 |  | uninsured deposits leaving |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 2 | deposits shrinking | uninsured deposits leaving |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | uninsured deposits leaving | deposits shrinking |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | deposits shrinking, assets shrinking | brokered >10% |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | deposits shrinking, assets shrinking |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | uninsured deposits leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | deposits shrinking, assets shrinking |  |
| 2024-06 | 2 |  |  |

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

- 2026-07-27 [Sovereign Citizen ‘Paper Terrorism’ Hits One of Arkansas’ Biggest Banks - Arkansas Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOWDJfVlNJd2RFdTNKaGJpaXlBSDVuTjJNWWN5bUlmS2gtRVlPaGlVVzB4TExOS0lFTnF6OUlPV1ZPNzRTSEJTdDJlNzdFd19pX2p6OXlFQ2Nab3g4QTdpQkFRQ3JLUHdyazdwZGxUR0dNQnhzMEdKOTBZU0Z2LUJ4al9NNUItTFhOeEZUXzFTVlVIekxxS0RETXpZREU3RUpUWE1CaDdkc21odw?oc=5) · Arkansas Business
- 2026-05-24 [Family Owned Business | Security Bank - Hot Springs Sentinel Record](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeVpGbHplOWZTa0l2XzB3NEEwZnhvX0FxOTEteml0VXgtbEV3R1gybGRwSmxKYXpYcElLWDktTGxtSWFDcUpnRXBackFwNVBBWlJSVHVUcVl1OS0xclo3dnpwM1BCVXZwMW41WFJqTVZkVFA3WGFqY3JLYU9RSEhucQ?oc=5) · Hot Springs Sentinel Record
- 2025-12-16 [First Security Bank donates $50,000 to aid the Arkansas Hunger Relief Alliance - KATV](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObjNBNUtyRHBUOVBlUlp6NmdfWjVjcDBxYXBqQi1xUTBRLWxhSjVWbFdFZEJxNXU5S0FHcnJXMmRINkJzVmZXVTZ2UVFZenNFTGpVYnB0WmtXZ3lzRVhFaFdaSW1TSXlZQW96cmhvMGVJamVYRGVoRVNJNENkejJPWVVVTmMxX1lIYmtqd0oxeHV6dDE2TXF5cEQ0Uzh6Y19HUkVIYnVEWGJ2TllhdWRrS3FmRHdsRlcwX3BXNlFKUXRUakNDYm9DVkQxcERxNG1fSWJuU3lZbGZDMDZWaHYwUlBTeGVqTTU2S1VKbW5jVE5jZEM3dTJrRk9IMzlxZw?oc=5) · KATV
- 2025-11-18 [First Security Bank in Little Rock moves to First Security Park - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPSFhfZk5CZzFiSHphTW1lSzZ3ZTljamdpOGFGel81VFc2dWZza3gxbV9PWjdzeXFRT2Qzc3F6TmZtOUE2cWVhSlI5U2tmVzlIa08tTTJTU0VBRDhaOUw0V3RsQ0VUaHNqUXZEbUFiLUZGLWx2WExMdTE3M0kwVFZrRGtGQnQ0SF9nNHUtZW9SN0xXTFJMNUxLOHlBbGxKdw?oc=5) · Talk Business &amp; Politics
- 2026-06-09 [First Security Bank Announces Fayetteville Market President - Arkansas Business](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUnBxZjdKY2h0bHpkVnBSSE5URlVoeFY3d2FIM1VGTGFKY01lSGhEWGxucnFXZWtPeUJCNHpNeVJzVUZ5UGg0c2pEYU1fbEIyWFVNQWVxbHl2Q04zbVVsT0R0a1JsVWFObHRpSFF0REVuQXZyZUtUeEkwVUdrbHY4THNqNF84WVM1NEdfMGZtS1cwWkJRbzNWWHltYWxCajE1ZEp3?oc=5) · Arkansas Business
- 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)
- 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
- 2026-06-22 [Alex Chaffin Named President of First Security Bank’s Fayetteville Market (Super Mover) - Arkansas Business](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNN3dBbDlGZ0p2R08tX09WR3ZKUVduOFpiYVZ4Y1FQcVFScmloblM0cGEtY2d1a0c1dVVDLV9SLVZXOG1UYlRjVzlaazk4NUY5enVYcUV3aVNGWG1mN0t4Ri1KLTRDNjBnSVdWX1FkY2JYTE1Fd0FzVnFLUDkzQk1uMnJMWnpDb1czb1pDdU5sQmYtQ2dFcjkwU3ZkZk9ydjk2cDhrNTZLMUZ1WmpmaTY5UGs0bWtjUUxD?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16395 (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/11.json (key "16395", 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.

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