TellerScore

First Security Bank is a state-chartered bank headquartered in Batesville, Mississippi, in business for about 74 years. At the end of Q2 2026 it reported $976.5M in total assets and $837.7M in deposits, with 19 offices.

First Security Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 37th. Problem-loan coverage contributes the most (91/100, 4.5%); capital cushion contributes the least (43/100, 9.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.28%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 71.4% · 42.0% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (61 → 66), mostly because the earnings component improved by 15 points.

TellerScore
616467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202464
Q1 202562
Q2 202561
Q3 202561
Q4 202563
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%7.21%9.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.11%
Q3 20249.11%
Q4 20249.03%
Q1 20258.96%
Q2 20259.17%
Q3 20259.42%
Q4 20259.22%
Q1 20269.13%
Q2 20269.28%
Noncurrent loans
0.47%0.68%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.59%
Q3 20240.63%
Q4 20240.49%
Q1 20250.51%
Q2 20250.84%
Q3 20250.90%
Q4 20250.66%
Q1 20260.47%
Q2 20260.55%
Return on assets
0.75%1.09%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.91%
Q4 20240.94%
Q1 20250.75%
Q2 20250.95%
Q3 20250.98%
Q4 20251.04%
Q1 20261.42%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$976.5M9.28%0.55%1.33%71.4%
Q1 202667$932.8M9.13%0.47%1.42%65.8%
Q4 202563$908.3M9.22%0.66%1.04%69.1%
Q3 202561$954.0M9.42%0.90%0.98%68.6%
Q2 202561$917.8M9.17%0.84%0.95%66.9%
Q1 202562$926.9M8.96%0.51%0.75%62.2%
Q4 202464$873.0M9.03%0.49%0.94%63.7%
Q3 202463$902.6M9.11%0.63%0.91%63.4%
Q2 202463$870.8M9.11%0.59%0.88%64.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.28%
17th
Total risk-based capital14.87%
67th
Problem loans0.55%
43rd
Net charge-offs0.05%
28th
Return on assets1.33%
55th
Net interest margin4.05%
56th
Efficiency ratio63.7%
46th
Loans to deposits71.4%
67th
Uninsured deposits42.0%
9th
Loan-loss reserves1.31%
63rd
Texas ratio4.5%
38th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Waynesboro, MS57 out of 100, Moderate$951.5M10.7%1.18%vs
FNB Oxford BankBank Oxford, MS75 out of 100, Strong$939.7M11.9%0.13%vs
BNA BankBank New Albany, MS77 out of 100, Strong$855.7M12.5%0.72%vs
The Peoples Bank, Biloxi, MississippiBank Biloxi, MS82 out of 100, Strong$770.7M15.2%0.18%vs
Bank of Holly SpringsBank Holly Springs, MS52 out of 100, Below average$587.5M13.1%4.61%vs
The Peoples BankBank Ripley, MS72 out of 100, Strong$581.8M10.2%0.34%vs

Deposit insurance

Is my money safe at First Security Bank?

Yes. First Security Bank is an FDIC-insured institution (FDIC certificate #17120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.0% of deposits ($352.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.28%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.87% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

First Security Bank lists 15 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Security Bank reported 204 home-loan applications under HMDA (LEI 2549007UK2BZOOSF6C76): 162 originated ($32,230,000 total), 14 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Security Bank
Former names
Batesville Security Bank
Type
State-chartered bank
FDIC certificate #
17120
RSSD ID
718145
Primary regulator
FDIC
Holding company
Security Capital Corp
Established
July 1, 1952
Headquarters
295 Highway 6 W, Batesville, MS 38606
Employees
198

Quick answers

First Security Bank: common questions

Is First Security Bank FDIC insured?

Yes. First Security Bank is an FDIC-insured institution (FDIC certificate #17120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Security Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Security Bank ever failed?

There is no failure record for FDIC certificate #17120 in the FDIC failed bank list.

How many branches does First Security Bank have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Batesville

InstitutionScoreAssetsCapitalProblem loansCompare
FNB Oxford BankBank Oxford, MS75 out of 100, Strong$939.7M11.9%0.13%vs
First National Bank of ClarksdaleBank Clarksdale, MS73 out of 100, Strong$386.1M12.8%0.64%vs
Bank of CommerceBank Greenwood, MS72 out of 100, Strong$1.1B12.9%0.88%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
BankFirst Financial ServicesBank Columbus, MS69 out of 100, Moderate$3.3B10.9%0.77%vs
Centuryfirst Federal Credit UnionCredit union Hattiesburg, MS66 out of 100, Moderate$144.9M13.9%1.80%vs