First Security Bank

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

314 N Spring St, Searcy, AR 72143

Financial Overview

Total Assets $8.40B
Total Deposits $6.67B
Profitability (ROA) 1.79%
Shareholder Return (ROE) 12.91%
Capital Cushion (Eq/Assets) 13.51%
Established 02/06/1932

Financial Health Analysis

First Security Bank is a currently active commercial lending specialization banking institution headquartered in Searcy, Arkansas. Established in 02/06/1932, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Security Bank manages $8.40B in total assets and holds $6.67B in customer deposits. When evaluating the stability of First Security Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 13.51%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.79%, while its Return on Equity (ROE) sits at 12.91%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$83.4M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.fsbank.com

FDIC Certificate #: 5633

Specialization: Commercial Lending Specialization

Location

314 N Spring St

Searcy, Arkansas 72143

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