First Security Bank: how it compares with its peers
Against 209 U.S. banks with half to twice its assets, First Security Bank's strongest measure in Q2 2026 is return on assets (1.85% vs. a 1.31% peer median). Its weakest relative measure is assets per employee ($9.2M vs. $10.0M).
| Measure | First Security Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 1.31% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.71% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.46% | 54.98% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $10.0M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.12% | 88.60% | Context |
What it means for lending operations
Its efficiency ratio of 43.46% is better than the 54.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First American Bank Elk Grove Village, IL · $8.63B
- Cross River Bank Fort Lee, NJ · $8.53B
- Forbright Bank Potomac, MD · $8.48B
- German American Bank Jasper, IN · $8.43B
- Heritage Bank Olympia, WA · $8.42B
- CNB Bank Clearfield, PA · $8.41B
Questions about First Security Bank
How big is First Security Bank?
First Security Bank, established in 1932, is headquartered in Searcy, AR. It reported $8.58B in total assets in its Q2 2026 FDIC call report and operates 81 offices.
What is First Security Bank's return on assets?
1.85% annualized in Q2 2026, against a 1.31% median for 209 U.S. banks with half to twice its assets, ahead of 86% of them.
What is First Security Bank's efficiency ratio?
43.46% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 54.98%, and lower is better.
Is First Security Bank growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.