# FIRST SECURITY BANK
BEAVER, OK · FDIC certificate 4041 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 8 (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 | $335.0M | |
| Deposits | $277.4M | |
| Loans and leases | $291.1M | |
| Total equity | $28.5M | |
| Loans / deposits | 103.79% (p93 of band) | 82.04% |
| Liquid assets / assets | 8.40% (p2 of band) | |
| Uninsured deposits / deposits | 58.78% (p98 of band) | 25.97% |
| Brokered deposits | 13.58% | |
| Wholesale funding | 21.41% (p95 of band) | |
| FHLB advances / assets | 6.85% | |
| Tier 1 leverage | 8.29% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -5.87% (p58 of band) | -8.10% |
| AOCI / equity | -0.32% (p51 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.28% |
| Net interest margin | 4.65% (p86 of band) | 3.91% |
| Efficiency ratio | 57.78% (p39 of band) | |
| Noncurrent loans | 2.34% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 48.13% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 30.19% (p37 of band) | |
| Auto loans | $4.1M (1.40% of loans; DQ 2.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 37.6% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | NIM <2.5% |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent, NIM <2.5% |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 2 |  | NIM <2.5% |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | deposits shrinking | reserve under noncurrent |
| 2015-12 | 2 | assets shrinking |  |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | deposits shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, charge-offs p90 |  |
| 2018-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling, charge-offs p90 |
| 2018-06 | 1 |  | loans exceed deposits |
| 2018-09 | 0 |  | liquid assets <10% |
| 2018-12 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2019-03 | 3 | noncurrent p90 |  |
| 2019-06 | 4 | charge-offs p90 |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | liquid assets <10% |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 3 |  | noncurrent p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | reserve under noncurrent, capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 0 |  | charge-offs p90, capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | reserve under noncurrent |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | reserve under noncurrent |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 1 |  | noncurrent p90, capital falling |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2025-12 | 7 | brokered >10%, wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2026-03 | 5 |  | reserve under noncurrent, capital falling |
| 2026-06 | 8 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |

## 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
- 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 &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)
- 2022-06-16 [Moses Tucker Announces Sales of First Security Complex in Springdale - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNSUQ3VFVFT1ZDTUEzT2tEVVRaT0hTMFJtZVpBX0h2RHVTOFYxVzU2czRBd1VJNzBpLWZHZzdCUHV5QnFxTmsxNXRjay1HT3RWWnBfOU5IOEVZQ0UtV2t4R0hEQm01SU1HOFg5UGJQaDNmQnF1dENBN2JXLTdxOHF6c2gyUG1JcjV2Y3FZ?oc=5) · Arkansas Money &amp; Politics
- 2021-10-11 [First Security Bank – Conway names Jake Nabholz to Advisory Board of Directors - 501 LIFE Magazine](https://news.google.com/rss/articles/CBMiogFBVV95cUxQS0tWWjYwVEtGYm1yZkYzenl1RWJ2T1cxQnRYeTAwZHhPbWR0OG5oNFZCWldLMmtYVlBZUWNOUlFlQ0VQdC10NVNKV283RmtpdHB2X0tWTnU0eHNTWW5GM2ROZ3RxVkpNU29QNTJOVkFuamlFaVZ6MnBscE9BaWlaekFOdWVzVWdfbk9mdV9zUlpwdkhmeXdIbUx1cjgwQncyNHc?oc=5) · 501 LIFE Magazine
- 2023-10-25 [Local bank named start up of the year - Beaumont Enterprise](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQVHB4VGc3cWpKNU5RSmNxQVllSnhqOHl2UTdRR1czdWZXS1JnMjZ0WEpxM1liSU03aWNLYV9GT1g2Wk5kYlVLZlNGTjVQRlRYQWxXeFRmOFBrNGMwSUJVOTB5RTM0d2QzVEdXdWdtUXQwcm5IOW9sOWk2MXVQTW1jQk0zMmU5emUyS1hkVjE4NjlSaWFibzM5Q1lZZ1gzbGJWeDgzNTBOUzR2Zw?oc=5) · Beaumont Enterprise
- 2024-08-14 [Confessions of a credit union executive turned community banker - American Banker](https://news.google.com/rss/articles/CBMitgFBVV95cUxPSmhNYnR2QWQ2T3VNSU0weGF5OFRKVXBzaG1hYkp3VnFZVXN1NFBWdTdKZEQyYWNnUWdQdGZVNDBSSHZvbWY4V2J4Y2k1WGRHWmlncS1jckpvdncyckx1RUpuZUVNTkdUUXFuQ1JxMTItV0ZYbktOSFpYdnlFXzJIYWdKa1FLdG8tUkhCdlF2QlBsTHIzUjYtQVFXNm9ybnJkTDJUc2hkTmxnVGxZcHgxZ3lOWXQyUQ?oc=5) · American Banker
- 2023-01-11 [Fayetteville police arrest man accused of robbing First Security Bank off of Wedington - KHBS](https://news.google.com/rss/articles/CBMimgFBVV95cUxObGM2VjJVeENyZzAxUFBEYmowdWdvbGFWOS01VUhXelctOHdBQllvT3RLdHo4VF9TSmI5aUg1aVBlX2FXSFlYcFpmWlQzaUxrMUtDSmFDSktZNUpxaFJsNkNmT0ZQSjkxWENsdkVYbzAzLUEyZmJ3ZENaWjJZRVBZUXgwb285ci1qRTZMR3NfT2VhR285SDktYkFR?oc=5) · KHBS

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4041 (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/9.json (key "4041", 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