First Security Bank (Batesville, MS)
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank is an FDIC-insured commercial bank headquartered in Batesville, MS, established in 1952 (FDIC certificate 17120), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $976.5M, up 6.4% from Q2 2025, the 15th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 13.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17120
- Headquarters
- Batesville, MS
- Established
- 1952
- Total assets, Q2 2026
- $976.5M
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 13.62%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 084205915
- Holding company
- SECURITY CAPITAL CORPORATION
- Asset rank in state
- 15th of 57 in Mississippi
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%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, First Security Bank is the 15th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.7% to $976.5M, loans rose 7.3% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.2% of total loans, followed by owner-occupied commercial real estate loans at 17.5%. The FDIC Summary of Deposits lists 19 offices for it, in 13 cities in MS; its Batesville 5 offices book 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Security Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 19 FDIC institution directory, current count
- 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
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
From Q3 2023 to Q2 2026, First Security Bank's total assets ranged from $843.9M (Q3 2023) to $976.5M (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
$976.5M total assets against $917.8M; $892.2M total liabilities against $840.2M.
$598.1M net loans and leases against $544.5M; $837.7M total deposits against $814.5M.
$290.1M securities against $291.2M; $28.1M cash and balances due against $24.9M.
$12.5M total interest income against $12.0M; $3.6M total interest expense against $3.7M.
$8.9M net interest income against $8.3M.
$2.2M total noninterest income against $2.1M; $7.2M total noninterest expense against $6.9M.
$276K provision for credit losses against $275K.
$3.0M net income against $2.6M.
1.24% return on assets against 1.13%; 4.13% net interest margin against 3.99%.
13.62% CET1 capital ratio against 14.02%; 9.28% tier 1 leverage ratio against 9.17%.
Inside the full First Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 1,060 of 4,196, for total assets; its furthest is 2,150 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q1 2025) to 1.39% (Q1 2026) and its net interest margin ran from 3.54% (Q3 2024) to 4.13% (Q2 2026).
| 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
View all 19 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 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
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in MS, rank 16 of 80 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).
- 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
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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.
Where is First Security Bank headquartered?
It is headquartered in Batesville, MS, United States.
When was First Security Bank founded?
It was established in 1952, per the FDIC institution directory.
Is First Security Bank FDIC-insured?
Yes. It 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.
What is First Security Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.68% 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.
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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