First Security Bank (Searcy, AR)
BankRegReports is independent of First Security Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Security Bank is an FDIC-insured commercial bank headquartered in Searcy, AR, established in 1932 (FDIC certificate 5633), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $8.58B, up 5.2% from Q2 2025, the 5th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 20.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5633
- Headquarters
- Searcy, AR
- Established
- 1932
- Total assets, Q2 2026
- $8.58B
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 20.73%
- Domestic offices
- 81 FDIC institution directory, current count
- Routing number
- 082901538
- Latest call report
- Q2 2026, FFIEC 041 · First Security Bank call report
- Holding company
- FIRST SECURITY BANCORP
- Asset rank in state
- 5th of 78 in Arkansas
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Security Bank is the 5th largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $8.58B, loans rose 0.9% and deposits rose 2.0%. Non-owner-occupied commercial real estate loans made up 30.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.7%. The FDIC Summary of Deposits lists 80 offices for it, in 35 cities across 2 states; its Little Rock 8 offices book 16% of its branch deposits. Judged on its Q2 2026 call report, First Security Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 81 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Security Bank's total assets ran between $7.54B (Q3 2023) and $8.58B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.58B total assets against $8.16B; $7.37B total liabilities against $7.15B.
$4.50B net loans and leases against $4.18B; $6.80B total deposits against $6.57B.
$3.23B securities against $3.05B; $546.1M cash and balances due against $596.4M.
$108.3M total interest income against $102.9M; $34.6M total interest expense against $36.6M.
$73.7M net interest income against $66.3M.
$9.8M total noninterest income against $8.7M; $35.4M total noninterest expense against $32.1M.
$1.6M provision for credit losses against $1.6M.
$40.6M net income against $35.7M.
1.84% return on assets against 1.69%; 3.66% net interest margin against 3.46%.
20.73% CET1 capital ratio against 20.22%; 15.60% tier 1 leverage ratio against 15.04%.
Inside the full First Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Security Bank rankings
Its closest position to the top of a national ranking is 185 of 4,196, for total assets; its furthest is 2,930 of 3,640, for Texas Ratio.
Metric pages for First Security Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.35% (Q3 2024) to 1.84% (Q2 2026) and its net interest margin ran from 3.14% (Q3 2024) to 3.66% (Q2 2026).
| 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% | 0.10% | 0.47% | 3.31% |
| Q4 2024 | 19.28% | 1.81% | 0.18% | 0.74% | 3.36% |
| Q3 2024 | 20.68% | 1.35% | 0.13% | 0.47% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 80 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Security Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First Security Bank with peers
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.
Where is First Security Bank headquartered?
It is headquartered in Searcy, AR, United States.
When was First Security Bank founded?
It was established in 1932, per the FDIC institution directory.
Is First Security Bank FDIC-insured?
Yes. It 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.
What is First Security Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on First Security Bank.
Get an email when First Security Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Security Bank, freeFree account