First Security Bank (Searcy, AR): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank runs leaner than most banks of its size. Based in Searcy, Arkansas, it had $8.6 billion in assets at June 30, 2026, up 5.2% from a year earlier. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also holds common equity equal to 20.73% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Its $1.4 billion non-owner-occupied commercial real estate book is improving, with 0.07% past due or on nonaccrual, down from 2.17% a year earlier. Loans are outrunning deposits: over the year loans rose 7.3% and deposits rose 3.6%. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, First Security Bank reported a CET1 capital ratio of 20.73%, a return on assets of 1.84%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.54%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 314 N Spring St, Searcy, AR 72143
- County
- White
- Metro Area
- Searcy, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 6, 1932
- Offices
- 81 domestic
- Employees (FTE)
- 934
- Domestic deposits
- $6.80B
- Allowance for credit losses
- $104.2M
- Net charge-offs (YTD)
- $10.6M
- Average total assets
- $8.84B
- Average total loans
- $4.39B
- Average interest-bearing deposits
- $5.42B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5633
- Fed RSSD
- 673440
- Website
- www.fsbank.com →
- Parent Holding Company
- FIRST SECURITY BANCORP (RSSD 1096505)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Security Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Security Bank, freeFirst Security Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.73% | 1.84% | 0.14% | 0.54% | 3.66% |
| Q1 2026 | 20.47% | 1.75% | 0.14% | 0.52% | 3.62% |
| Q4 2025 | 20.78% | 1.78% | 0.15% | 0.55% | 3.63% |
| Q3 2025 | 20.58% | 1.78% | 0.15% | 0.54% | 3.55% |
| Q2 2025 | 20.22% | 1.69% | 0.16% | 0.64% | 3.46% |
| Q1 2025 | 20.05% | 1.72% | 0.28% | 0.47% | 3.31% |
| Q4 2024 | 19.28% | 1.81% | 0.36% | 0.74% | 3.36% |
| Q3 2024 | 20.68% | 1.35% | 0.31% | 0.47% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 80 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Security Park Branch | Little Rock , AR | 72212 | $930.2M |
| First Security Bank (main office) | Searcy , AR | 72143 | $637.9M |
| Fayetteville Main Branch | Fayetteville , AR | 72703 | $539.0M |
| Conway Branch | Conway , AR | 72032 | $261.8M |
| West Sunset Branch | Springdale , AR | 72762 | $251.1M |
| The First N.B. of Springdale Branch | Springdale , AR | 72764 | $233.2M |
| First Security Bank of Mountain Home Branch | Mountain Home , AR | 72653 | $205.0M |
| Benton Branch | Benton , AR | 72015 | $202.9M |
| Stadium Boulevard - Jonesboro Branch | Jonesboro , AR | 72401 | $175.1M |
| Dewitt Henry Drive Facility | Beebe , AR | 72012 | $163.3M |
| Mccain Branch | North Little Rock , AR | 72116 | $160.9M |
| East Race Branch | Searcy , AR | 72143 | $155.8M |
| Clarksville Branch | Clarksville , AR | 72830 | $151.5M |
| 1140 Highway 25B Branch | Heber Springs , AR | 72543 | $130.5M |
| Greenbrier Branch | Greenbrier , AR | 72058 | $126.6M |
| Hot Springs Branch | Hot Springs , AR | 71913 | $123.0M |
| Northwest Branch | Conway , AR | 72032 | $119.0M |
| Fort Smith Garrison Branch | Fort Smith , AR | 72901 | $116.7M |
| Prince St Branch | Conway , AR | 72034 | $105.2M |
| Cabot Branch | Cabot , AR | 72023 | $100.7M |
| Bryant Branch | Bryant , AR | 72022 | $83.5M |
| Northeast Branch | Mountain Home , AR | 72653 | $81.0M |
| The Union Bank of Bryant Branch | Bryant , AR | 72022 | $77.6M |
| Rogers Pinnacle Branch | Rogers , AR | 72758 | $71.5M |
| Fayetteville Branch | Fayetteville , AR | 72701 | $71.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 12, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 2009 | Structure Change | Acquired The Union Bank of Benton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 14, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2008 | Structure Change | Acquired First Security Bank of Conway Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2007 | Structure Change | Acquired First Security Bank of Mountain Home Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2005 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2004 | Structure Change | Acquired The First National Bank of Springdale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1996 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 1991 | Structure Change | Acquired First Savings of Arkansas, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1990 | Structure Change | Acquired Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 1986 | Structure Change | Acquired The First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Security Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.3% of deposits in AR, rank 4 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,870 applications, 1,556 loans originated, $510.9M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $948K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Security Bank
What are First Security Bank's total assets?
As of the Q2 2026 filing, First Security Bank reported total assets of $8.58 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Security Bank headquartered?
First Security Bank is headquartered in Searcy, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Security Bank founded?
First Security Bank was established in 1932, per the FDIC institution directory.
Is First Security Bank FDIC-insured?
Yes. First Security Bank is an FDIC-insured commercial bank (FDIC Certificate #5633). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security Bank?
First Security Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Security Bank's CET1 capital ratio?
First Security Bank reported a Common Equity Tier 1 (CET1) capital ratio of 20.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Security Bank operate?
First Security Bank operates 81 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security Bank's Texas Ratio?
First Security Bank's Texas Ratio is 0.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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