← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Mississippi, the state note

First Security Bank

Batesville, Mississippi · $977M in assets · beside the 11 other Mississippi banks between $300M and $1B

The filing

8.6%
Equity / assets
11th of 12
189.0%
CRE / capital
10th of 12
1.30%
ROA
4th of 12

First Security Bank is the largest of the 12 Mississippi banks nearest its size between $300M and $1B, with $977M in assets at 30 June 2026. Loans are 72.3% of deposits, 5th of 12 against a median of 75.1%, and equity is 8.6% of assets, 11th of 12. Loans grew +9.8% in the year, 7th of 12, and deposits grew 2.9%; the cohort's median loan growth is +10.3%.

Noncurrent loans are 0.55% of the book, 6th of 12 against a median of 0.57%; 1.02% is 30 to 89 days past due, and the allowance covers them 2.4 times. Commercial real estate is 30.2% of loans, 5th of 12 against a median of 31.3%, and 189% of capital, below the 300% screen, with construction at 76% against the 100% screen.

Return on assets is 1.30%, 4th of 12 against a median of 1.18%, on an efficiency ratio of 63.7%, 5th of 12. Five years ago it was 1.03%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsMS banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 11.1% Bo Bank of Holly Springs 13.7% FM Farmers & Merchants Bank 13.5% PB Peoples Bank Biloxi Mississippi 13.1% FB First Bank 13.1% UM United Mississippi Bank 11.5% FO FNB Oxford Bank 11.2% BB Bna Bank 11.0% FS First State Bank 9.6% CB Century Bank 9.1% PB Peoples Bank 9.0% FS First Security Bank 8.6% FC First Choice Bank 8.2%
Loans, year over yearMS banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +10.3% FS First State Bank +20.0% FC First Choice Bank +19.0% BB Bna Bank +14.6% FO FNB Oxford Bank +14.4% PB Peoples Bank Biloxi Mississippi +11.6% PB Peoples Bank +10.8% FS First Security Bank +9.8% FB First Bank +8.2% FM Farmers & Merchants Bank +8.1% CB Century Bank +7.8% UM United Mississippi Bank +7.7% Bo Bank of Holly Springs -0.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 9 CBLR filers; owner-occupied excluded; bold marks a screen met
First Security BankRankCohort median
Total CRE against capital, the 300% screen189%10th of 12178%
Construction against capital, the 100% screen76%8th of 1262%
Construction and land development, share of loans12.1%8th of 1211.8%
Non-owner-occupied nonfarm nonresidential, share of loans15.6%6th of 1217.7%
Total CRE, the guidance definition, share of loans30.2%5th of 1231.3%
CRE growth over 36 months, the third prong+0.8%2nd of 12+20.7%
Commercial real estate against capital, the 300% screenMS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 178% PB Peoples Bank 20% Bo Bank of Holly Springs 95% PB Peoples Bank Biloxi Mississippi 112% FM Farmers & Merchants Bank 132% BB Bna Bank 162% FS First State Bank 178% UM United Mississippi Bank 178% FB First Bank 184% CB Century Bank 188% FS First Security Bank 189% FO FNB Oxford Bank 244% FC First Choice Bank 281%
CRE growth over 36 months, the guidance's third prongMS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +20.7% Bo Bank of Holly Springs -8.2% FS First Security Bank +0.8% FM Farmers & Merchants Bank +3.6% BB Bna Bank +12.3% FS First State Bank +16.2% FB First Bank +16.3% CB Century Bank +25.1% PB Peoples Bank Biloxi Mississippi +39.2% PB Peoples Bank +51.8% FC First Choice Bank +76.2% UM United Mississippi Bank +81.7% FO FNB Oxford Bank +83.1%

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
First Security Bank$977M1.3%63.7%0.55%0.05%1.3%72.3%8.6%
First State Bank$952M0.3%82.9%1.18%0.10%0.9%64.3%9.6%
FNB Oxford Bank$940M0.8%65.0%0.13%0.02%1.0%67.7%11.2%
Bna Bank$856M1.6%45.3%0.72%1.50%0.8%76.8%11.0%
Peoples Bank Biloxi Mississippi$771M0.6%78.7%0.18%-0.12%1.1%45.4%13.1%
Bank of Holly Springs$588M1.3%62.8%4.61%2.15%1.6%87.7%13.7%
Peoples Bank$582M1.0%57.7%0.34%-0.03%1.4%45.9%9.0%
Century Bank$566M1.2%66.8%0.60%0.09%1.3%77.5%9.1%
Farmers & Merchants Bank$566M1.7%58.3%1.69%0.17%2.2%73.4%13.5%
First Bank$563M1.5%63.8%1.11%0.00%1.3%79.8%13.1%
First Choice Bank$561M0.4%87.2%0.31%0.09%1.0%79.7%8.2%
United Mississippi Bank$561M1.1%76.4%0.19%0.05%0.8%86.4%11.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Security BankCohort median
20212026Change20212026Change
Loans$418M$606M+45%$261M$410M+57%
Deposits$683M$838M+23%$425M$516M+21%
NPA / loans1.46%0.55%-0.91 pts0.97%0.57%-0.40 pts
Efficiency65.1%63.7%-1.4 pts64.2%64.4%+0.2 pts
ROA1.03%1.30%+0.27 pts1.07%1.18%+0.11 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 MS banks $300M to $1B
Institution www.firstsecuritybk.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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.
← Back to the catalogue