First Security Bank
First Security Bank reported total assets of $8.6 bn at Q2 2026, up 5.2% on a year earlier, the 187th largest of 497 banks in our US coverage. The CET1 capital ratio at First Security Bank was 20.73%, and the uninsured share of First Security Bank was 44.27%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), First Security Bank slipped from 117th to 198th among 500 US banks between and (1 = highest; FDIC Call Reports).
- First Security Bank has one of the highest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 20.73% at , against a median of 13.22% across 287 banks (FDIC Call Reports).
- At 15.60%, the tier 1 leverage ratio of First Security Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45% (FDIC Call Reports).
What sets First Security Bank apart
How large is First Security Bank?
The balance sheet of First Security Bank at : assets $8.6 bn, deposits $6.8 bn, net loans $4.5 bn (loans equal to 66.12% of deposits). Securities make up 37.6% of total assets at First Security Bank. Since , when First Security Bank held $5.0 bn, its assets grew 72.2%. In the year to , deposits at First Security Bank rose 3.6% while its total assets rose 5.2%. At , First Security Bank employed 934 full-time equivalent staff across 81 offices, about $9.2 mn of assets per employee and $84.0 mn of deposits per office.
How much funding at First Security Bank is uninsured?
At First Security Bank, uninsured deposits (above the FDIC limit) made up 44.27% of domestic deposits at (+0.74 pp on a year earlier); First Security Bank ranks 147th of 500 on this measure. In dollars, First Security Bank estimated $3.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.8 bn | +3.6% | 190th of 499 |
| Net loans and leases | $4.5 bn | +7.6% | 232nd of 500 |
| Loan-to-deposit ratio | 66.12% | +2.49 pp | 435th of 500 |
| Tier 1 leverage ratio | 15.60% | +0.56 pp | 23rd of 500 |
| Total risk-based capital ratio | 21.99% | +0.51 pp | 26th of 448 |
| Net interest margin | 3.58% | +0.21 pp | 267th of 500 |
| Return on assets (ROA) | 1.85% | +0.08 pp | 69th of 500 |
| Efficiency ratio | 43.46% | +0.78 pp | 74th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $228.7 mn | Narrowed by $121.6 mn | |
| Noncurrent loans to total loans | 0.14% | -0.02 pp | 47th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.47% | +0.41 pp | 433rd of 500 (1 = lowest) |
US rank of First Security Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
First Security Bank: assets, deposits and loans
- Total assets $8.6bn
- Deposits $6.8bn
- Net loans $4.5bn
Capital and securities
The CET1 ratio of First Security Bank stood at 20.73% in , +0.51 pp year on year. Low and high at First Security Bank since : 16.87% () to 23.86% (). Equity capital of First Security Bank at : $1.2 bn, or 14.1% of total assets. First Security Bank also reported a total capital ratio of 21.99% for , and a tier 1 leverage ratio of 15.60%.
The available-for-sale portfolio of First Security Bank showed an unrealized loss of $228.7 mn at ; the loss narrowed by $121.6 mn over the year.
First Security Bank: capital ratios
- Total capital 22%
- CET1 21%
- Tier 1 leverage 16%
First Security Bank: unrealized securities gains and losses
- Available for sale -$229mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Security Bank earned a return on equity of 13.27%; return on assets: 1.85%. Net interest margin at First Security Bank: 3.58%, +0.21 pp in a year. First Security Bank net income: $78.2 mn, up 9.3% year on year. The efficiency ratio of First Security Bank was 43.46%: about 43 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.14% of total loans at First Security Bank; net charge-offs: 0.47% of average loans. Gross loans and leases at First Security Bank: $4.6 bn, up 7.3% in a year.
First Security Bank: profitability
- Return on equity 13%
- Net interest margin 3.6%
- Return on assets 1.9%
Peer group of First Security Bank
The peer group of First Security Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of First Security Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Arkansas. Against them, First Security Bank shows CET1 ratio 20.73% against a peer median of 15.03%, return on equity 13.27% against a peer median of 8.14% and uninsured deposit share 44.27% against a peer median of 38.08%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Wells Fargo National Bank West | National bank | NV | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | State nonmember bank | TX | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | State nonmember bank | IL | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | State member bank | AR | $8.6 bn | 20.73% | 13.27% | 44.27% | |
| Cross River Bank | State nonmember bank | NJ | $8.5 bn | not reported | 0.99% | 33.35% | |
| Forbright Bank | State nonmember bank | MD | $8.5 bn | not reported | 5.25% | 13.95% | |
| German American Bank | State nonmember bank | IN | $8.4 bn | 13.31% | 13.05% | 42.83% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Security Bank, to : assets +4.0%, deposits +6.3%, equity +10.1%. Staff 857 to 934; offices 80 to 81.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.2 bn | $8.0 bn | $8.1 bn | $8.2 bn | $8.5 bn | $8.4 bn | $8.4 bn | $8.6 bn |
| Total deposits | $6.4 bn | $6.5 bn | $6.5 bn | $6.6 bn | $6.7 bn | $6.6 bn | $6.7 bn | $6.8 bn |
| Bank equity capital | $1.1 bn | $956.1 mn | $999.1 mn | $1.0 bn | $1.1 bn | $1.2 bn | $1.1 bn | $1.2 bn |
| CET1 ratio | 20.68% | 19.28% | 20.05% | 20.22% | 20.58% | 20.78% | 20.47% | 20.73% |
| Return on equity (ROE) | 10.60% | 11.69% | 14.64% | 14.48% | 14.32% | 14.06% | 12.91% | 13.27% |
| Uninsured share of domestic deposits | 43.41% | 44.03% | 43.16% | 43.53% | 44.41% | 43.17% | 43.30% | 44.27% |
| Full-time equivalent employees | 857 | 860 | 877 | 905 | 885 | 891 | 902 | 934 |
| Number of offices | 80 | 80 | 80 | 80 | 80 | 81 | 81 | 81 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by First Security Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of First Security Bank?
First Security Bank reported $8.6 bn at in its Call Report. That makes First Security Bank the 187th largest of 497 banks in our US coverage.
Is First Security Bank the same as its holding company?
No. This page covers First Security Bank, FDIC certificate 5633; FIRST SECURITY BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Security Bank profitable?
First Security Bank reported net income of $78.2 mn for the year to ; annualized return on equity: 13.27%. So yes: First Security Bank made a profit over these months.
When is data for First Security Bank next updated?
Figures from First Security Bank for are due after .
Where can I check the figures for First Security Bank?
In the FDIC BankFind Suite record for certificate 5633, and in the Call Reports of First Security Bank (RSSD ID 673440) at the FFIEC Central Data Repository.