First Security Bank (Batesville, MS): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank operates with a thinner capital cushion than most banks of its size. The Batesville, Mississippi bank had $977 million in assets at June 30, 2026, up 6.4% from a year earlier. It funds 9.28% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%).
Loans are outrunning deposits: over the year loans rose 9.8% and deposits rose 2.9%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.55% of loans, down from 0.84% a year earlier.
As of June 30, 2026, First Security Bank reported a CET1 capital ratio of 13.62%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.68%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 295 Highway 6 W, Batesville, MS 38606
- County
- Panola
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1952
- Former names
- Batesville Security Bank (1973-1993)
- Offices
- 19 domestic
- Employees (FTE)
- 198
- Domestic deposits
- $837.7M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $143K
- Average total assets
- $959.8M
- Average total loans
- $586.7M
- Average interest-bearing deposits
- $607.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1952
- FDIC Cert
- 17120
- Fed RSSD
- 718145
- SEC CIK
- 725537 → filed by SECURITY CAPITAL CORPORATION
- Website
- www.firstsecuritybk.com →
- Parent Holding Company
- SECURITY CAPITAL CORPORATION (RSSD 1098509)
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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First 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 | 13.62% | 1.24% | 0.55% | 4.68% | 4.13% |
| Q1 2026 | 14.02% | 1.39% | 0.47% | 3.63% | 4.01% |
| Q4 2025 | 14.07% | 1.21% | 0.66% | 4.85% | 3.98% |
| Q3 2025 | 14.09% | 1.05% | 0.90% | 5.97% | 3.94% |
| Q2 2025 | 14.02% | 1.13% | 0.84% | 5.82% | 3.99% |
| Q1 2025 | 13.81% | 0.74% | 0.51% | 3.61% | 3.77% |
| Q4 2024 | 13.96% | 1.04% | 0.49% | 3.57% | 3.86% |
| Q3 2024 | 13.99% | 0.95% | 0.63% | 4.29% | 3.54% |
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 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Security Bank (main office) | Batesville , MS | 38606 | $357.7M |
| Tunica Branch | Tunica , MS | 38676 | $85.2M |
| Hernando Branch | Hernando , MS | 38632 | $67.7M |
| Sardis Branch | Sardis , MS | 38666 | $61.3M |
| Olive Branch Branch | Olive Branch , MS | 38654 | $43.2M |
| First Security Bank - Goodman Road Branch | Olive Branch , MS | 38654 | $42.7M |
| Marks Branch | Marks , MS | 38646 | $39.8M |
| Batesville Branch | Batesville , MS | 38606 | $37.3M |
| First Security Bank - Southaven Branch | Southaven , MS | 38672 | $27.7M |
| Senatobia Branch | Senatobia , MS | 38668 | $24.7M |
| Como Branch | Como , MS | 38619 | $17.0M |
| Barton Branch | Byhalia , MS | 38611 | $11.5M |
| Robinsonville Branch | Robinsonville , MS | 38664 | $8.7M |
| Crenshaw Branch | Crenshaw , MS | 38621 | $6.9M |
| Pope Branch | Pope , MS | 38658 | $6.2M |
| Express Branch | Batesville , MS | 38606 | $0 |
| Power Drive Branch | Batesville , MS | 38606 | $0 |
| Sardis Express Branch | Sardis , MS | 38666 | $0 |
| Trust Office | Batesville , MS | 38606 | $0 |
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 |
|---|---|---|---|
| July 22, 1999 | M&A | Acquired another institution merger for the acquired bank | SEC |
| July 22, 1999 | Structure Change | Acquired another institution Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1994 | M&A | Acquired Bank of Sardis merger for the acquired bank | SEC |
| October 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Structure Change | Acquired Bank of Sardis 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 5 events.
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
- 1.0% of deposits in MS, rank 16 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 204 applications, 162 loans originated, $32.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $174K approved, $87K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 $976.5 million 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 Batesville, MS, 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 1952, per the FDIC institution directory.
Is First Security Bank FDIC-insured?
Yes. First Security Bank is an FDIC-insured commercial bank (FDIC Certificate #17120). 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 FDIC. 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 13.62% 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 19 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 4.68% 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.
What was First Security Bank previously called?
The charter now named First Security Bank has also operated as Batesville Security Bank (1973-1993), per FDIC structure-change records.
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