The First Security Bank (Beaver, OK)
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Data as of · sourced from FFIEC call reports. How we update
The First Security Bank is an FDIC-insured commercial bank headquartered in Beaver, OK, established in 1916 (FDIC certificate 4041), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $335.0M, up 45.2% from Q2 2025, the 74th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.29% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4041
- Headquarters
- Beaver, OK
- Established
- 1916
- Total assets, Q2 2026
- $335.0M
- Assets vs Q2 2025
- +45.2%
- Tier 1 leverage ratio, Q2 2026
- 8.29%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103110305
- Holding company
- COMMUNITY CAPITAL BANCORP, INC.
- Asset rank in state
- 74th of 169 in Oklahoma
Problem loans are rising at The First Security Bank. It reported $335 million in assets at June 30, 2026, up 45.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.34% of loans from 1.15% a year earlier. It pays an average of 3.27% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 8.29% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.2 million, 122% above the same quarter a year earlier. Over the same year, loans grew 55.7% and deposits grew 37.7%. Credit is the area to watch: it carries problem assets equal to 25.4% of the capital and reserves that would absorb them, 9.6 times the median of 2.6% for banks its size.
As of June 30, 2026, The First Security Bank reported a return on assets of 1.56%, a nonperforming-loan ratio of 2.34% and a Texas ratio of 25.42%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The First Security Bank is the 74th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 10.1% to $335.0M, loans rose 10.2% and deposits rose 3.7%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 39.6% of total loans, followed by owner-occupied commercial real estate loans at 13.3%. Its 3 offices in the FDIC Summary of Deposits are in Beaver, OK, Beaumont, TX and Sour Lake, TX; its Beaver office books 53% of its branch deposits. On its Q2 2026 call report, The First Security Bank is inside the community bank leverage ratio grace band.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 16, 1916
- Former names
- The First Security Bank (1977)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $277.4M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $123K
- Average total assets
- $313.9M
- Average total loans
- $253.3M
- Average interest-bearing deposits
- $240.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4041
- Fed RSSD
- 49951
- Website
- www.thefirstsecuritybank.com →
- Parent Holding Company
- COMMUNITY CAPITAL BANCORP, INC. (RSSD 5625350)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First Security Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First Security Bank's total assets ranged from $131.6M (Q3 2023) to $335.0M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$335.0M total assets against $230.7M; $306.4M total liabilities against $211.7M.
$287.9M net loans and leases against $185.4M; $277.4M total deposits against $201.5M.
$17.6M securities against $18.3M; $10.5M cash and balances due against $12.9M.
$5.7M total interest income against $3.9M; $2.3M total interest expense against $1.3M.
$3.3M net interest income against $2.6M.
$80K total noninterest income against $98K; $1.7M total noninterest expense against $1.8M.
$494K provision for credit losses against $283K.
$1.2M net income against $551K.
1.56% return on assets against 1.22%; 4.85% net interest margin against 5.71%.
8.29% tier 1 leverage ratio against 9.38%.
Inside the full The 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The First Security Bank rankings
Its closest position to the top of a national ranking is 97 of 3,640, for Texas Ratio; its furthest is 2,301 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 1.56% (Q2 2026) and its net interest margin ran from 3.73% (Q3 2024) to 6.20% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.29% | 1.56% | 2.34% | 25.42% | 4.85% |
| Q1 2026 | 9.78% | 0.77% | 0.81% | 9.14% | 5.04% |
| Q4 2025 | 8.37% | 1.31% | 0.94% | 13.06% | 6.20% |
| Q3 2025 | 9.10% | 0.88% | 0.99% | 12.69% | 5.74% |
| Q2 2025 | 9.38% | 1.22% | 1.15% | 14.99% | 5.71% |
| Q1 2025 | 9.27% | 0.63% | 0.43% | 7.52% | 4.86% |
| Q4 2024 | 9.28% | 0.30% | 1.44% | 18.49% | 4.29% |
| Q3 2024 | 9.02% | 0.11% | 2.12% | 20.44% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The First Security Bank | Beaver , OK | 73932 | $148.1M |
| The First Security Bank Beaumont Branch | Beaumont , TX | 77706 | $99.3M |
| Sour Lake Branch | Sour Lake , TX | 77659 | $29.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 122 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $6.4M approved, $1.3M 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, Mortgage lending (HMDA), 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 The First Security Bank
What are The First Security Bank's total assets?
As of the Q2 2026 filing, The First Security Bank reported total assets of $335.0 million in its FFIEC call report.
Where is The First Security Bank headquartered?
It is headquartered in Beaver, OK, United States.
When was The First Security Bank founded?
It was established in 1916, per the FDIC institution directory.
Is The First Security Bank FDIC-insured?
Yes. It 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 The First Security Bank?
The First Security Bank's primary federal regulator is the FDIC.
How many branches does The First Security Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Security Bank's Texas Ratio?
Its Texas Ratio is 25.42% 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 The First Security Bank previously called?
The charter now named The First Security Bank has also operated as The First Security Bank (1977), per FDIC structure-change records.
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