# FIRST SECURITY BANK
MACKINAW, IL · FDIC certificate 3698 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $151.1M | |
| Deposits | $126.0M | |
| Loans and leases | $123.7M | |
| Total equity | $16.9M | |
| Loans / deposits | 97.11% (p88 of band) | 73.59% |
| Liquid assets / assets | 13.64% (p9 of band) | |
| Uninsured deposits / deposits | 22.34% (p59 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.24% (p73 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.22% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -0.08% (p90 of band) | -6.57% |
| AOCI / equity | -0.88% (p30 of band) | |
| ROA (annualized) | 1.14% (p49 of band) | 1.17% |
| Net interest margin | 4.17% (p63 of band) | 3.93% |
| Efficiency ratio | 65.82% (p50 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 63% | |
| Construction % of loans | 33.51% (p67 of band) | |
| Auto loans | $306,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 2 | brokered >10% |  |
| 2012-03 | 3 | deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2012-06 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | brokered >10%, capital falling |  |
| 2013-03 | 2 | charge-offs p90 | brokered >10% |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | charge-offs p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2015-09 | 1 | capital falling | uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | brokered >10% | capital falling |
| 2016-06 | 3 | wholesale funding >15%, losing money |  |
| 2016-09 | 4 | charge-offs p90, reserve under noncurrent | losing money |
| 2016-12 | 3 |  | brokered >10% |
| 2017-03 | 2 | noncurrent p90 | wholesale funding >15%, charge-offs p90 |
| 2017-06 | 3 | brokered >10% |  |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 3 |  | assets shrinking |
| 2018-03 | 6 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2018-06 | 2 |  | brokered >10%, wholesale funding >15%, capital falling, uninsured deposits leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 6 | liquid assets <10%, charge-offs p90 | uninsured deposits leaving |
| 2019-06 | 6 | loans exceed deposits | assets shrinking |
| 2019-09 | 3 | capital falling | noncurrent p90, deposits shrinking, liquid assets <10%, loans exceed deposits |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | charge-offs p90, capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | NIM <2.5% |  |
| 2022-03 | 0 |  | NIM <2.5% |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2023-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2025-12-22 [The First Security Bank Has Agreed to Acquire Conway Bank - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTUpURE9ZejFmMlRtT0szN3BuMU1qTXBWZFhoSmo0RkJ0Zno5S3M0NVEzMFpONFlEQmtoSENoOHdHYXRsOXQ3ZURVVXVWdTllTXY3T05ncHl4cmhIZnRqZS1PaGE5bUM0cVRWVFI3Mi10dTFQQkVkYkRiV2M4X25ZbGlWLTNiV0doRFozNDVhQUZTb2NtZjB5OGN6dVQzX1psMkZheVRvQXJWekN5dkVIYmdETQ?oc=5) · PR Newswire
- 2026-08-31 [Arkansas Cities Turn to Corporate Sponsorships to Help Pay the Bills - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxONDJIbWlXZk9XWVJRZDhUcm5CZFlWQWVRb1J3dWZ3OUM2ZWtrYU5MRTFXTGZKbUdzX0t4WWVETVg5TDdtZFVLQ1dZTzhDMXlyOTdfcFpOejQ0bGtiZ25pT0MwMVYtZ2EyczRDdGhJa1kwUEZPREhzR1pSLVAycHRRNUd6VEphSmZoRWhpNXFpRDRndVVrTVhxNnJ0alF6SlBiZzg4NXRn?oc=5) · Arkansas Business
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2018-05-22 [German American Bank announces merger plans - 14 News](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNk5VRjY2Yl85NFltT3JVY3N1eVJKbGhXQTNpSWpnVUtscWkyaWl0WFRXZkprSUFjX3BOMi1YclB4SG03eUNUM0JSX2hvOVpUMkVsYXVzcmpEcGtUblRGcEVrYWRWTXNRSnFLMUU2dmxReXBOcFZmTmlHZlYzTDdLVnpLS1FQTGxmelHSAZwBQVVfeXFMUEhjN2lQTUlJYW5aX3dpS2FVTVJuSnNnT053dU83cFZVMkV5LWl5b0JTMGkyMWpHU3Y0WE1fVU9HT1VQQ3VydDJxOGtYLTgyQW4wdXAtZlg1NkNGcFl4Zmo5aWtQNmdpNkJJSk1hTEJYRjJnLXR2amRKQ09TY2hjQVFUbkxrU3BWeVNTZW9OTFA2M3NYSjllUERXekV4?oc=5) · 14 News
- 2024-09-17 [AMP’s 2024 Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiakFVX3lxTFBZdGMtdDF5aU93TU1wQWpqRjFBY2kwNE8zcUVCdVBEYWNHU1QxYjRGNm5DbHJvNVpfVDBrbWsxbUxXQ1p5Wld3VVZIQVZsWUI1bEc2dkFMcWVVUlZFQkhZQkhBb1dpSjNTZmc?oc=5) · Arkansas Money &amp; Politics
- 2019-07-31 [Prosecutors: Farmer committed bank fraud, abused bankruptcy system - wandtv.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPMXo0X0JkOGFxamtyb1pRQkpaanRZTnViV1pSQ3M2TkYzREhYYW0zdkZTUWJZVFNjYUZVSU1BbTZvWTh1SDN1Q0pRT1VJMmMwNVJBZXlEMjF3UEVfLUZxMWNwNmZMREIyVTJEdlFpZWVPSnl1MV9RU0daN28yOUM4ZzVJQUpHUWI2dDkxRlBJeTRIU2pUblM2eldIWTBPNC1hMDVXWTFsM0FZSTVVcml1SGdsbmYxdi1iSXZyR1JiUlR1UmJTNmlGaGNIVVBrRVZjTGc2a1J1VmVqZw?oc=5) · wandtv.com
- 2023-11-21 [Cisco man sentenced to 3 and a half years in prison for bank fraud - WCIA.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOOVFTZU9rUG1aMmdhckEzM3JFUElRVmcxOGo2M2ZRdUxRM1JaX3VNS3FqTG9qWDA1cEVzTGFMZ24tanBMVHZwcU9OVlczdkJEdm92bHRHY1FBeGtTcVZreUJ1UWhZUjdNcDVRZ1Q5WnlpWlRGMjVna2dLTGgyVG5sc29IbThhdjdPclJWZm1oakJtZzl2bnJNSdIBngFBVV95cUxOQTZ4Tm5IZmZKd2lZRzg1d0N0aUNRcUVuZ09YNGhUVmJZMF8zU1h3SUYteER3eTNfTlhocGhrUm1tTzJWak9mLUQ2aFF4NEU4Y0JXdjd1VG00aVctdm5IR1VlNk9Md043VnlBR1A1VDVWV1ZpRWxVQk5lZHB6dTVEX2lvUnZ1MFZzX25UMGZBLUZIakxKUjZlQXlMMWxXUQ?oc=5) · WCIA.com
- 2024-06-28 [Frank Fruhauff Obituary Dec 17, 2014 - Davenport Family Funeral Homes And Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE00Nk5fVkNjOUtiQVNXbXNobDFrSVI5aEdXaUQ5RndiaXlhcUI4YzFreDhtcGhLMzV0MjVPNGxkbFA4QW1XbTlkNTBrc3ZlcWNTbzZLNF85SUVWOGRfV0NGSWIxdjdIeERW?oc=5) · Davenport Family Funeral Homes And Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3698 (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/50.json (key "3698", 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