# FIRST SECURITY BANK
SEARCY, AR · FDIC certificate 5633 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $8.58B | |
| Deposits | $6.80B | |
| Loans and leases | $4.60B | |
| Total equity | $1.21B | |
| Loans / deposits | 66.12% (p12 of band) | 87.10% |
| Liquid assets / assets | 44.01% (p92 of band) | |
| Uninsured deposits / deposits | 44.27% (p82 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.17% (p41 of band) | |
| FHLB advances / assets | 0.06% | |
| Tier 1 leverage | 15.60% (p93 of band) | 10.50% |
| Unrealized securities loss / equity | -18.90% (p21 of band) | -7.75% |
| AOCI / equity | -0.64% (p28 of band) | |
| ROA (annualized) | 1.85% (p84 of band) | 1.26% |
| Net interest margin | 3.58% (p42 of band) | 3.70% |
| Efficiency ratio | 43.46% (p11 of band) | |
| Noncurrent loans | 0.14% (p18 of band) | 0.51% |
| Net charge-offs (annualized) | 0.25% (p89 of band) | |
| Reserve coverage of noncurrent | 1568.11% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 66.99% (p69 of band) | |
| Auto loans | $11.2M (0.24% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 934 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | securities losses >30% of equity | assets shrinking |
| 2023-12 | 0 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 2 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 1 |  | construction >100% equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2026-06-09 [First Security Bank Announces Fayetteville Market President - Arkansas Business](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUnBxZjdKY2h0bHpkVnBSSE5URlVoeFY3d2FIM1VGTGFKY01lSGhEWGxucnFXZWtPeUJCNHpNeVJzVUZ5UGg0c2pEYU1fbEIyWFVNQWVxbHl2Q04zbVVsT0R0a1JsVWFObHRpSFF0REVuQXZyZUtUeEkwVUdrbHY4THNqNF84WVM1NEdfMGZtS1cwWkJRbzNWWHltYWxCajE1ZEp3?oc=5) · Arkansas Business
- 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 & Politics
- 2025-12-26 [First Security Bank to double in size with acquisition of Kansas-based Conway Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQd3ZZSlNwUnJyYldFUGEzQTB0SVZVS1RQdGtvVm1OR1JGakhWT3d6T3F4UWFINV9ISWEyMlVjQUZfWEtOVmpmWmcxeVVubmMtQVotVUg2THNWNWduZWVxQ1BfTERrRFgwMU1uVS1EWFFESGpPU3hKZTVxX0FmeER5QndPUWJUbmxmbGdYRUJpMnJ1TTRfNjZJTFBFM2dDcEhNNENMWjlqMA?oc=5) · The Business Journals
- 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
- 2026-01-07 [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
- 2021-03-29 [First Security Bank in Jonesboro Makes Five Promotions - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMijwFBVV95cUxOcUtPbWtSd0lxa0Q5aWR6MW5GYl9qM2hfWHRUMmFoaHJmTF96SGtLcnpmZmlOWmdnRktMRVR3ZGlYdHFCczZVSFRBYWtJNDNsTkp4UWRITXhkQUJFa3FuNEFuR2h1MWdiSGt2Y0FZdWtYNXc1Z0lZc0l4elRGNzA5QzIweVY2UTh2cE9fbkJJOA?oc=5) · Arkansas Money & Politics
- 2022-12-15 [First Security moving west in Little Rock - Arkansas Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTl9Pazd2eEgxTUNHWWVHSVVGelNOa0xPRmNpNkU5MlF3XzJlMDNqUmRzQV8xUDE5UmpRTkprX2lad1hiVndEYTJXc1JrX0hNdWduS2RJUGlXQVdjMkFOdFhPTVNKNjVaYmc5THp4NzZOS0tWTTRIXzA1QVU5YXRsUjVnMzk?oc=5) · Arkansas Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5633 (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/1.json (key "5633", 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