Headquartered in Beaver, Oklahoma, The First Security Bank is a state-chartered bank with $335.0M in total assets and $277.4M in deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1916.
The First Security Bank has a TellerScore of 35 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 165th. Earnings contributes the most (64/100, 1.11%); funding & liquidity contributes the least (8/100, 104% loans-to-deposits, 59% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 17 points (52 → 35), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 41 |
| Q4 2024 | 47 |
| Q1 2025 | 56 |
| Q2 2025 | 52 |
| Q3 2025 | 51 |
| Q4 2025 | 50 |
| Q1 2026 | 53 |
| Q2 2026 | 35 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.26% |
| Q3 2024 | 9.02% |
| Q4 2024 | 9.28% |
| Q1 2025 | 9.27% |
| Q2 2025 | 9.38% |
| Q3 2025 | 9.10% |
| Q4 2025 | 8.37% |
| Q1 2026 | 9.78% |
| Q2 2026 | 8.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.18% |
| Q3 2024 | 2.12% |
| Q4 2024 | 1.44% |
| Q1 2025 | 0.43% |
| Q2 2025 | 1.15% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.81% |
| Q2 2026 | 2.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.67% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 35 | $335.0M | 8.29% | 2.34% | 1.11% | 103.8% |
| Q1 2026 | 53 | $304.3M | 9.78% | 0.81% | 0.67% | 97.7% |
| Q4 2025 | 50 | $285.1M | 8.37% | 0.94% | 0.87% | 98.9% |
| Q3 2025 | 51 | $254.7M | 9.10% | 0.99% | 0.77% | 96.7% |
| Q2 2025 | 52 | $230.7M | 9.38% | 1.15% | 0.78% | 92.0% |
| Q1 2025 | 56 | $208.9M | 9.27% | 0.43% | 0.53% | 88.8% |
| Q4 2024 | 47 | $179.0M | 9.28% | 1.44% | 0.21% | 77.8% |
| Q3 2024 | 41 | $163.3M | 9.02% | 2.12% | 0.19% | 76.9% |
| Q2 2024 | 42 | $159.7M | 9.26% | 2.18% | 0.23% | 73.7% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CommerceBank Duncan, OK | 46 out of 100, Below average | $334.0M | 10.5% | 2.27% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |
| American Bank and Trust CompanyBank Tulsa, OK | 60 out of 100, Moderate | $324.4M | 15.3% | 6.26% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| Citizens Bank and Trust Company of ArdmoreBank Ardmore, OK | 78 out of 100, Strong | $318.8M | 10.6% | 0.00% | vs |
| First Bethany Bank & TrustBank Bethany, OK | 71 out of 100, Strong | $316.8M | 9.1% | 0.18% | vs |
Deposit insurance
Is my money safe at The First Security Bank?
Yes. The First Security Bank is an FDIC-insured institution (FDIC certificate #4041). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 58.8% of deposits ($163.0M) 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 8.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The First Security Bank lists 3 offices in 3 cities across 2 states. Most locations:
- Beaumont, TX (1)
- Beaver, OK (1)
- Sour Lake, TX (1)
Identity & history
Profile
- Legal name
- The First Security Bank
- Former names
- The First National Bank of Beaver
- Type
- State-chartered bank
- FDIC certificate #
- 4041
- RSSD ID
- 49951
- Primary regulator
- FDIC
- Holding company
- Community Capital Bcorp Inc
- Established
- January 16, 1916
- Headquarters
- 15 South Douglas Avenue, Beaver, OK 73932
- Website
- www.thefirstsecuritybank.com
- Employees
- 37
Quick answers
The First Security Bank: common questions
Is The First Security Bank FDIC insured?
Yes. The First Security Bank is an FDIC-insured institution (FDIC certificate #4041). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Security Bank's TellerScore?
35 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First Security Bank ever failed?
There is no failure record for FDIC certificate #4041 in the FDIC failed bank list.
How many branches does The First Security Bank have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Beaver
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| The Bank of Beaver CityBank Beaver, OK | 60 out of 100, Moderate | $188.6M | 8.7% | 1.34% | vs |