First Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank of Searcy, AR against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 81st top |
| ROAE | 13.86% | 12.40% | +1.46% | 60th above |
| Net Interest Margin | 3.66% | 3.83% | -0.17% | 46th below |
| Efficiency Ratio | 40.01% | 57.84% | -17.83% | 92nd top |
| PPNR / Avg Assets | 2.18% | — | — | 76th top |
| Yield on Earning Assets | 5.28% | 5.71% | -0.43% | 34th below |
| Cost of Funds | 1.87% | 2.02% | -0.15% | 58th above |
| Net Interest Spread | 2.93% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 1.00% | -0.86% | 85th top |
| NPA / Total Assets | 0.08% | — | — | 88th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 90th top |
| ACL / Total Loans | 2.26% | — | — | 97th top |
| ACL / NPLs (Coverage) | 1568.11% | — | — | — |
| Texas Ratio | 0.54% | 5.47% | -4.93% | 89th top |
| Provision / NCO | 29.39% | — | — | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.73% | 14.99% | +5.74% | 92nd top |
| Tier 1 Ratio | 20.73% | 15.02% | +5.71% | 92nd top |
| Total Capital Ratio | 21.99% | — | — | 92nd top |
| Leverage Ratio | 15.60% | 11.11% | +4.49% | 93rd top |
| Equity / Assets | 14.10% | 11.02% | +3.08% | 90th top |
| TCE / Tangible Assets | 13.95% | — | — | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.65% | 86.99% | -19.34% | 88th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.31% | 85.57% | +2.74% | 49th below |
| Uninsured Deposit Ratio | 44.27% | 33.19% | +11.08% | 18th bottom |
| Wholesale Funding Ratio | 6.50% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.23% | — | — | 48th below |
| Loan Growth (Y/Y) | 7.32% | — | — | 60th above |
| Deposit Growth (Y/Y) | 3.57% | — | — | 40th below |
See First Security Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Security Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Security Bank peer analysis.