BlastPoint's Banking Scorecard
First Security Bank
Community
Specialty: Commercial
MS
FDIC cert 17120
Batesville, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
First Security Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$908.3M
+4.0% YoY
-4.8% QoQ
|
-$483.1M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$543.0M
+6.7% YoY
-2.0% QoQ
|
-$432.5M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$785.4M
-1.7% YoY
-2.7% QoQ
|
-$379.2M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.04%
+9.9% YoY
+6.3% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.89%
+5.7% YoY
+0.6% QoQ
|
+0.22% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
67.88%
-0.0% YoY
-0.4% QoQ
|
+5.25% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.67%
+35.2% YoY
-26.2% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
69.13%
+8.6% YoY
+0.7% QoQ
|
-13.93% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
28.26%
+1.7% YoY
+5.3% QoQ
|
+7.21% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.45%
+50.1% YoY
-16.5% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
14.07%
+0.8% YoY
-0.1% QoQ
|
+3.83% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.92%
-5.9% YoY
+39.8% QoQ
|
+0.18% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#223 of 642 · Bottom 35% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.13% · Tier avg: 83.06%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.26% · Tier avg: 21.05%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.07% · Tier avg: 10.24%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
45
45th pctile
Total Deposits
Current: $785.4M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $908.3M · Tier avg: $1.4B
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
36
36th pctile
Total Loans
Current: $543.0M · Tier avg: $975.5M
32
32th pctile
Efficiency Ratio
Current: 67.88% · Tier avg: 62.63%
Top Weaknesses
32
32th pctile
Efficiency Ratio
Current: 67.88% · Tier avg: 62.63%
36
36th pctile
Total Loans
Current: $543.0M · Tier avg: $975.5M
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
44
44th pctile
Total Assets
Current: $908.3M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $785.4M · Tier avg: $1.2B
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.07% · Tier avg: 10.24%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.26% · Tier avg: 21.05%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.13% · Tier avg: 83.06%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%