# FIRST SECURITY BANK
BATESVILLE, MS · FDIC certificate 17120 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $976.5M | |
| Deposits | $837.7M | |
| Loans and leases | $606.0M | |
| Total equity | $84.3M | |
| Loans / deposits | 71.39% (p27 of band) | 82.04% |
| Liquid assets / assets | 32.58% (p71 of band) | |
| Uninsured deposits / deposits | 42.03% (p90 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.03% (p58 of band) | |
| FHLB advances / assets | 4.61% | |
| Tier 1 leverage | 9.28% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -24.19% (p17 of band) | -8.10% |
| AOCI / equity | -0.31% (p52 of band) | |
| ROA (annualized) | 1.33% (p53 of band) | 1.28% |
| Net interest margin | 4.05% (p58 of band) | 3.91% |
| Efficiency ratio | 63.71% (p58 of band) | |
| Noncurrent loans | 0.55% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 238.60% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 87.03% (p81 of band) | |
| Auto loans | $6.6M (1.09% of loans; DQ 7.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 198 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 | construction >100% equity | reserve under noncurrent |
| 2020-09 | 3 | reserve under noncurrent |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 3 | capital falling, charge-offs p90 |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  | capital falling, charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-06-26 [First Security breaks ground - The Oxford Eagle](https://news.google.com/rss/articles/CBMickFVX3lxTFBFOFhGN0FxZlRSc3NoTU5kb2ctSk8yZWlGQ1JJdTV5V0FhblQwdDd0RF82eFQzX2Z0bkc5bEJrcXJ3QW1zWlI3bU5IUWI0SU5lenAyYjR6RENXUFMyVHd4X2RBbktoVmFaTk1Wc3h1TVBWQQ?oc=5) · The Oxford Eagle
- 2025-10-27 [David Newton LaVergne Obituary Oct 27, 2025 - wellsfuneralhome.net](https://news.google.com/rss/articles/CBMiakFVX3lxTE45VGNzaWlVSVN0YUE3NlNsUi1IeERMTTVLd0NFeXhRaGM0LTdfb09YVmprcjMyMC1ZRXJKMkN5RWV0ZjFPUFpGejJQN0hROHN0blJhUm5XOU9faUZxejlMQW5Bb19oN1VXX0E?oc=5) · wellsfuneralhome.net
- 2024-01-24 [Fayetteville leader David Russell to retire from First Security Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYjRKX1FWU2tCUS1XMVQ0c0Mwd1Z0RDVVQVZTQjBhYTMtcnhRSHBhMlZZSU01c1pXMTZPckVxYjIxcDJTcEV1ejJONUtOX1d0bDdWaGpkVURUWVlPVzBQcmlRN3o3X2lWaFZHTTEzYkZodHdwb2h5TGU3Uk8yYTdGX2JQbWRLa0lBYnlWWjYtWVNhZ1YxR0pxSVBhSTR0Q0o3MmN0Sg?oc=5) · Talk Business & 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)
- 2023-12-27 [First Security Bank Branch President Tim Kent retires - Explore Big Sky](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSUt6c3lkcHROQzVfOHZoRVA4ajM0SGJ0b05JZkRGWjdSRFZvSjZSdlMyaHZLQUY0ZUtCSU5PWm5oUTNEa2FjSW9ZZzUzb0FYWmVJRnRrWE10VjhLdzFjak4yWjVEQ1MzcmoyQjBENU5PWG4tVHM1UW1WbGZPRUhaX3I3cWlMOEVvSzJlZExFWXNOQ0U?oc=5) · Explore Big Sky
- 2026-02-27 [Future of First Security Bank Building In Limbo - SweetwaterNOW](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWW1kYVFfSzFobEh3VUkzWl9xWUxjb1I0cDFtM1licFdYZU5iT3lqTDdlSWRKSG1EeUh4OHVHSmJQLUdhbGdQRmJabEEwaFVqVmRyZzFsQUZaQWF1bkh0OVJLeWdPaUdxWlVhR1FvRE1mdlpLM3pTTmJNSXJlVjlfOGd5MFo?oc=5) · SweetwaterNOW
- 2026-02-19 [Ernest Wayne "John" Rodgers Obituary (1956 - 2026) - Sardis, MS - WMC - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQaS1tWkxNNkEwYWNXdHF1alZaVmpqZjFyVEpoVFdlUVVkRmZ2TnoweXZCd0JjZkVVaENhNVA0aEJtWlA3LTNxNXZtdGNtOTJxTHFFVlItVmY3T01nLVVzdUU3RTlyeUtDUTRfSVZNaE1lcWNWS2w2dGx6YThxRG9aU01kaERuTWRmbDVHN01IeC1TZTA?oc=5) · legacy.com
- 2024-01-25 [First Security Bank Fayetteville president David Russell to retire in March - Fayetteville Flyer](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNb255enc1bVJkV211aTJ4WF9uSUNhZVh6UWpMZVJpSTFwT3Q5eHh0dXB1VTNZaVA5SlhNYTJzRGctemZWUVFiVS1Xc2JHcllWZHk5ZDMyMEtaTHdoYVpkVXZ4cTlIT1liQ3B6bVU1bk1EbDlWaHB1YnctLXA0d2hyMmdMbVVXOWE5X3ZGTXU5azNOX3pQR1RfbHlyMlowWGNKV241dFJETE8yOS0xSGFjUGhfUmF4MW5V?oc=5) · Fayetteville Flyer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17120 (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/32.json (key "17120", 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