First Security Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 6.12 percentage points in Q2 2026, from 195.52% to 189.40%. It was the largest change from Q1 2026 among the key lines here. First Security Bank ranks 33rd of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 72.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Security Bank sits 8.21 points lower, at 72.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $606.0M |
| Net loans and leases | $598.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.06% |
| Loan-to-deposit ratio | 72.34% |
| Net loans to equity capital | 7.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.03% |
| Multifamily (5+ residential) | 2.50% |
| Commercial and industrial | 8.20% |
| Consumer | 3.78% |
| Credit cards | 0.17% |
| Farm | 6.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.40% |
| Construction concentration (Tier 1 capital + allowance) | 75.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.06% |
| Interest income on loans | $10.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $471.0M | $777.8M | 29.74% | 6.80% | 5.14% |
| Q4 2023 | $480.6M | $749.5M | 30.26% | 7.34% | 5.04% |
| Q1 2024 | $489.2M | $789.1M | 29.60% | 7.36% | 4.97% |
| Q2 2024 | $510.9M | $778.7M | 28.03% | 7.80% | 4.72% |
| Q3 2024 | $515.7M | $802.8M | 28.51% | 7.26% | 4.75% |
| Q4 2024 | $515.9M | $799.3M | 30.59% | 5.89% | 4.65% |
| Q1 2025 | $534.7M | $847.9M | 29.63% | 7.62% | 4.27% |
| Q2 2025 | $552.0M | $814.5M | 30.25% | 7.46% | 4.20% |
| Q3 2025 | $562.0M | $807.5M | 30.25% | 7.94% | 4.35% |
| Q4 2025 | $550.5M | $785.4M | 33.96% | 5.92% | 4.14% |
| Q1 2026 | $564.9M | $847.2M | 33.86% | 6.86% | 4.03% |
| Q2 2026 | $606.0M | $837.7M | 33.03% | 8.20% | 3.78% |
First Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17120) · FFIEC NIC profile (RSSD 718145)