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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

First Security Bank

Searcy, Arkansas · $8.58B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

0.14%
NPA / loans
1st of 12
53.6%
CRE / loans
12th of 12
43.5%
Efficiency
1st of 12

First Security Bank is the second largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $8.58B in assets at 30 June 2026. Loans are 67.6% of deposits, 2nd of 12 against a median of 86.1%, and equity is 14.1% of assets, 2nd of 12. Loans grew +7.3% in the year, 7th of 12, and deposits grew 3.6%; the cohort's median loan growth is +8.1%.

Noncurrent loans are 0.14% of the book, the lowest in the cohort against a median of 0.57%; 0.19% is 30 to 89 days past due, and the allowance covers them 15.7 times. Net charge-offs are 0.46% of loans, 11th of 12. Commercial real estate is 53.6% of loans, the highest in the cohort against a median of 34.8%, and 169% of capital, below the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 1.77%, 2nd of 12 against a median of 1.26%, on an efficiency ratio of 43.5%, the lowest in the cohort. Five years ago it was 1.67%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansSouth Central states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 34.8% RB River Bank & Trust 22.3% GC Gulf Coast Bank & Trust Co. 23.2% RB Republic Bank & Trust Co. 25.8% CB Community Bank of Mississippi 26.8% CT Community Trust Bank Inc 29.4% B Bankplus 32.5% B B1bank 37.0% S Smartbank 38.4% FG First Guaranty Bank 40.0% WB Wilson Bank & Trust 42.2% CB Central Bank & Trust Co. 45.8% FS First Security Bank 53.6%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +8.1% S Smartbank +13.6% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% B B1bank +10.2% CT Community Trust Bank Inc +9.0% CB Community Bank of Mississippi +8.9% FS First Security Bank +7.3% CB Central Bank & Trust Co. +5.3% WB Wilson Bank & Trust +4.5% B Bankplus +4.5% RB Republic Bank & Trust Co. +1.1% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

First Security Bank is the 45th largest 7(a) lender into Arkansas of 260, with $12M across 46 loans, 0.4% of everything approved in the state (First Financial Bank leads with $379M). 3 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Arkansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Saline, AR$3M7th of 395.9%+9.4 pts
Pulaski, AR$2M43rd of 1100.5%+0.1 pts
Johnson, AR$1M8th of 123.6%quiet FY2022
Washington, AR$1M37th of 920.4%thin
Benton, AR$1M54th of 900.3%thin
Faulkner, AR$820K23rd of 481.0%quiet FY2022
Sebastian, AR$665K31st of 500.6%thin
Craighead, AR$415K26th of 380.5%thin
Garland, AR$365K30th of 440.4%quiet FY2022
Pope, AR$245K19th of 290.6%-0.1 pts
White, AR$111K31st of 340.2%thin
Greene, MO$50K78th of 800.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing9$3M29.4%0.01%846th of 2,246
Health care & social assistance9$2M17.6%0.00%853rd of 2,172
Professional & technical services4$2M15.4%0.01%765th of 1,955
Accommodation & food services6$2M14.9%0.00%1302nd of 2,596
Other services3$539K4.6%0.00%1441st of 2,248
7(a) lenders into Arkansas, share of approvals since FY2008260 lenders on record; the ten largest and First Security Bank
FF First Financial Bank 12.9% $379M · 620 loans LO Live Oak Banking Company 10.7% $313M · 188 loans AB Arvest Bank 9.9% $292M · 943 loans SB Southern Bancorp Bank 4.5% $131M · 158 loans AC Acc Capital 4.2% $123M · 258 loans FS First Service Bank 3.5% $103M · 154 loans RB Regions Bank 3.3% $97M · 140 loans TH The Huntington National Bank 3.0% $89M · 143 loans BO Bank Ozk 2.8% $82M · 119 loans SB Simmons Bank 2.5% $72M · 267 loans FS First Security Bank 0.4% $12M · 46 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
First Security BankRankCohort median
Total CRE against capital, the 300% screen169%4th of 12218%
Construction against capital, the 100% screen56%6th of 1259%
Construction and land development, share of loans17.6%11th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans30.4%12th of 1218.7%
Total CRE, the guidance definition, share of loans53.6%12th of 1234.8%
CRE growth over 36 months, the third prong+12.0%3rd of 12+21.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Security Bank$8.58B1.8%43.5%0.14%0.46%2.3%67.6%14.1%
Bankplus$8.38B1.3%62.3%0.64%0.05%1.1%87.3%11.2%
Republic Bank & Trust Co.$7.05B2.1%48.8%0.56%0.46%1.6%97.2%15.4%
Community Trust Bank Inc$6.95B1.6%46.7%0.58%0.09%1.2%90.5%13.1%
Smartbank$6.11B1.1%58.4%0.24%0.03%1.0%87.0%10.8%
Wilson Bank & Trust$5.98B1.4%52.7%0.63%0.04%1.3%84.2%10.1%
Community Bank of Mississippi$5.09B1.1%65.1%0.25%0.01%1.1%75.8%8.5%
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Security BankCohort median
20212026Change20212026Change
Loans$3.15B$4.60B+46%$2.57B$4.54B+77%
Deposits$6.05B$6.80B+12%$3.48B$5.36B+54%
NPA / loans0.16%0.14%-0.01 pts0.45%0.57%+0.12 pts
Efficiency41.1%43.5%+2.4 pts62.4%60.0%-2.5 pts
ROA1.67%1.77%+0.10 pts1.28%1.26%-0.02 pts

This read was prepared for First Security Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Security Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.fsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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