BanksFirst Security Bank, the

First Security Bank, the

BEAVER, OKSmallEst. Jan 16, 1916FDIC #4041RSSD #49951FDIC

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First Security Bank, the is a locally rooted FDIC-insured community bank based in Beaver, OK. The Q1 2026 balance sheet stands at $304M in assets, including $264M in loans. Profitability tracks the broader industry — ROA 0.77%, ROE 7.97%, NIM 5.68%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.78% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.17%. 3 branches make up the footprint.

Headquarters Profile

Address: 15 South Douglas Avenue, BEAVER, OK 73932
County: Beaver
Charter: Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator: FDIC
Fed District: 13
Established: January 16, 1916
Branches: 3 domestic
Employees (FTE): 31
FDIC Cert: 4041
Fed RSSD: 49951
Website: www.thefirstsecuritybank.com →
Parent Holding Company: COMMUNITY CAPITAL BANCORP, INC. (RSSD 5625350)

Assets

$304M

Deposits

$267M

Loans

$264M

Equity

$28M

Profitability

Return on Assets0.77%

Return on Equity7.97%

Net Interest Margin5.68%

Yield on Earning Assets8.13%

Cost of Funds2.38%

Asset Quality

Non-Performing Loan Ratio0.17%

Net Charge-Off Ratio0.03%

Texas Ratio9.14%

Non-Performing Asset Ratio0.22%

ACL / Loans1.09%

Capital & Liquidity

CET1 Capital Ratio—

Tier 1 Capital Ratio—

Total Capital Ratio—

Tier 1 Leverage Ratio9.78%

Loan-to-Deposit Ratio98.83%

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First Security Bank, the rankings

How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.

Largest US Banks by Assets

#2,592of 4,552

304336.00 · 43th pct

US Banks with Highest Return on Assets (ROA)

#2,956of 3,912

0.77% · 24th pct

US Banks with Highest Texas Ratio

#961of 3,908

9.14% · 75th pct

Most Efficient US Banks (Lowest Efficiency Ratio)

#2,800of 3,911

70.58% · 28th pct

Quarterly trend — last 6 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
2026-03-31	—	0.77%	0.17%	9.14%	5.68%
2025-12-31	—	1.31%	0.17%	13.06%	6.20%
2025-09-30	—	0.88%	0.16%	12.69%	5.74%
2025-06-30	—	1.22%	0.26%	14.99%	5.71%
2025-03-31	—	0.63%	0.31%	7.52%	4.86%
2024-12-31	—	0.30%	1.38%	18.49%	4.29%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

…

Branch	Location	ZIP	Deposits
Loading branches…

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.

FailureJul 20, 1989
Failure / assisted resolution
FDIC FAILURES

Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.

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Compare First Security Bank, the with peers

Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.

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Frequently asked about First Security Bank, the

What are First Security Bank, the's total assets?

As of the Q1 2026 filing, First Security Bank, the reported total assets of $304.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is First Security Bank, the headquartered?

First Security Bank, the is headquartered in BEAVER, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was First Security Bank, the founded?

First Security Bank, the was established in 1916, per the FDIC institution directory.

Is First Security Bank, the FDIC-insured?

Yes. First Security Bank, the is an FDIC-insured commercial bank (FDIC Certificate #4041). 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, the?

First Security Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

How many branches does First Security Bank, the operate?

First Security Bank, the operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is First Security Bank, the's Texas Ratio?

First Security Bank, the's Texas Ratio is 9.14% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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