BlastPoint's Banking Scorecard
First Security Bank
Mid-Market
Specialty: Commercial
AR
FDIC cert 5633
Designations: ✓ Community bank
Searcy, AR
201
banks in Mid-Market tier nationally
3 in AR
View Mid-Market leaderboard (AR) →
First Security Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 42% in Mid-Market
- + Credit Quality Leader: Top 47% in Mid-Market
- + Tier 1 Capital Ratio 7.22% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 40% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.4B
+5.1% YoY
-1.2% QoQ
|
-$2.1B |
$10.5B
+2.9% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$4.4B
+4.9% YoY
+1.7% QoQ
|
-$2.7B |
$7.1B
+4.5% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$6.6B
+1.4% YoY
-2.3% QoQ
|
-$2.0B |
$8.5B
+3.0% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.81%
+11.9% YoY
+1.0% QoQ
|
+0.65% |
1.16%
+9.4% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.45%
+9.7% YoY
+1.6% QoQ
|
+0.05% |
3.40%
+7.9% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
42.13%
-3.3% YoY
+0.0% QoQ
|
-14.48% |
56.60%
-3.2% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.16%
-14.6% YoY
+6.2% QoQ
|
-0.53% |
0.68%
+12.0% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
66.86%
+3.5% YoY
+4.1% QoQ
|
-18.61% |
85.47%
+1.1% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.26%
-2.0% YoY
-2.5% QoQ
|
-0.38% |
20.64%
-0.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.09%
-13.2% YoY
+8.9% QoQ
|
-0.41% |
0.50%
+7.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
20.78%
+7.7% YoY
+0.9% QoQ
|
+7.22% |
13.55%
+1.8% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.42%
-10.2% YoY
+35.7% QoQ
|
-0.54% |
0.96%
+7.1% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#22 of 51 · Top 42% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.81%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#24 of 50 · Top 47% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Top 5%
in Mid-Market
Why this stands out
Current:
20.78%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#11 of 26 · Bottom 40% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.78%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
66.86%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 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
95
95th pctile
Tier 1 Capital Ratio
Current: 20.78% · Tier avg: 13.55%
88
88th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.68%
88
88th pctile
Efficiency Ratio
Current: 42.13% · Tier avg: 56.60%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
88
88th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
48
48th pctile
Total Assets
Current: $8.4B · Tier avg: $10.5B
47
47th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.40%
46
46th pctile
Total Deposits
Current: $6.6B · Tier avg: $8.5B
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.26% · Tier avg: 20.64%
26
26th pctile
Total Loans
Current: $4.4B · Tier avg: $7.1B
25
25th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.96%
12
12th pctile
Loan-to-Deposit Ratio
Current: 66.86% · Tier avg: 85.47%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 66.86% · Tier avg: 85.47%
25
25th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.96%
26
26th pctile
Total Loans
Current: $4.4B · Tier avg: $7.1B
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.26% · Tier avg: 20.64%
46
46th pctile
Total Deposits
Current: $6.6B · Tier avg: $8.5B
47
47th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.40%
48
48th pctile
Total Assets
Current: $8.4B · Tier avg: $10.5B
88
88th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
88
88th pctile
Efficiency Ratio
Current: 42.13% · Tier avg: 56.60%
88
88th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.68%
95
95th pctile
Tier 1 Capital Ratio
Current: 20.78% · Tier avg: 13.55%