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First Security Bank
Searcy, AR·FDIC Cert #5633·Charter: STATE·Est. 19320206.0·HC: FIRST SECURITY BCORP
Total Assets
$8.4B
Q4 2025
Return on Assets
1.81%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
42.13%
Peer avg: 56.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
69
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.81%+0.02
ROE
14.06%-0.26
Efficiency
42.13%+0.02
Equity/Assets
0.00%+0.00
NPL Ratio
0.16%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
66.86%+2.63
Charge-offs
0.03%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.6 | 1.5 | 1.6 | 1.8 | 1.8 | 1.8 | 1.8 |
| ROE | 9.7 | 10.8 | 10.6 | 11.7 | 14.6 | 14.5 | 14.3 | 14.1 |
| Efficiency | 46.4 | 45.3 | 45.1 | 43.6 | 42.5 | 42.7 | 42.1 | 42.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.1 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 |
| Loan/Deposit | 65.0 | 64.8 | 63.6 | 64.6 | 62.8 | 63.6 | 64.2 | 66.9 |
Balance Sheet
Total Assets$8.4B
Total Deposits$6.6B
Total Loans$4.4B
Total Equity$1.2B
Profitability
ROA1.81%
ROE14.06%
Efficiency Ratio42.13%
Net Income$148.3M
Risk & Asset Quality
NPL Ratio0.16%
Charge-off Rate0.03%
Loan/Deposit66.86%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans