First Security Bank Mortgage Rates, Fees & Info

Searcy, AR

LEI: 254900561K135J92VD38

Tax ID: 71-0159420

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Bank Data

Review & Overview

First Security Bank is a smaller bank specializing in Home Purchase loans. First Security Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Little Rock, Fayetteville, Searcy, Jonesboro, and Fort Smith among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Security Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Security Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 4/18/24
30 Year Conventional Purchase 6.49% 4/18/24
30 Year Conventional Refi 6.57% 4/18/24
30 Year Cash-out Refi 6.66% 4/18/24
30 Year FHA Purchase 7.08% 4/18/24
30 Year FHA Refi 6.27% 4/18/24
30 Year VA Purchase 6.00% 4/18/24
30 Year USDA Purchase 6.33% 4/18/24
15 Year Conventional Purchase 5.81% 4/18/24
15 Year Conventional Refi 5.97% 4/18/24
15 Year Cash-out Refi 5.97% 4/18/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Security Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Security Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,842

Origination Dollar Volume (All Markets)

$313,770,000

Employee count

842 Show all (37) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 678 $114,100,000 $168,289 $2,754 4.74%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 345 $75,785,000 $219,667 $2,587 4.61%
Searcy, AR (FHA|USDA|VA) 241 $30,005,000 $124,502 $2,610 4.88%
Outside of Metro Areas 200 $24,000,000 $120,000 $2,813 4.86%
JONESBORO, AR (FHA|USDA|VA) 138 $23,740,000 $172,029 $2,889 4.38%
FORT SMITH, AR-OK (FHA|USDA|VA) 11 $12,045,000 $1,095,000 $2,596 4.82%
HOT SPRINGS, AR (FHA|USDA|VA) 60 $9,480,000 $158,000 $2,398 4.81%
Mountain Home, AR (FHA|USDA|VA) 80 $7,750,000 $96,875 $1,675 4.86%
Russellville, AR (FHA|USDA|VA) 45 $5,805,000 $129,000 $3,243 4.81%
Paragould, AR (FHA|USDA|VA) 21 $3,495,000 $166,429 $3,420 4.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,625,000 $1,625,000 $0 4.50%
Malvern, AR (FHA|USDA|VA) 8 $1,460,000 $182,500 $2,784 4.57%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $8,753 5.39%
Harrison, AR (FHA|USDA|VA) 3 $1,265,000 $421,667 $2,303 4.67%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $560,000 $280,000 $0 5.23%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $405,000 $405,000 $1,084 5.24%
Batesville, AR (FHA|USDA|VA) 3 $325,000 $108,333 $2,578 4.46%
TULSA, OK (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.00%
PINE BLUFF, AR (FHA|USDA|VA) 1 $175,000 $175,000 $3,443 4.38%
El Dorado, AR (FHA|USDA|VA) 1 $165,000 $165,000 $1,703 4.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.85%
First Security Bank's top markets include Little Rock, Fayetteville, Searcy, Jonesboro, and Fort Smith among others.

Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against First Security Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Citizens' Bank & Trust Co.
    Similarity Rank: 108
    ONE BANK & TRUST, NATIONAL ASS
    Similarity Rank: 189
    TELCOE FEDERAL CREDIT UNION
    Similarity Rank: 448
    Truity Federal Credit Union
    Similarity Rank: 533
    Wolfe Financial, Inc
    Similarity Rank: 651
    First Arkansas Bank and Trust
    Similarity Rank: 781
    Generations Bank
    Similarity Rank: 896
    Firstar Bank
    Similarity Rank: 952
    FIRST WESTERN MORTGAGE, INC.
    Similarity Rank: 996

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,410 $250,640,000 $177,759 $2,316 4.91%
    FHA 210 $31,320,000 $149,143 $3,717 4.17%
    USDA 152 $18,350,000 $120,724 $2,512 4.09%
    VA 70 $13,460,000 $192,286 $4,283 4.02%

    For 2018, First Security Bank's most frequently originated type of loan was Conventional, with 1,410 originations. Their 2nd most popular type was FHA, with 210 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,492 $268,710,000 $180,101 $2,695 4.67%
    Refi 164 $25,020,000 $152,561 $2,537 4.98%
    Cash Out Refi 91 $12,305,000 $135,220 $3,090 4.43%
    Home Improvement 62 $4,270,000 $68,871 $718 5.79%
    Other 33 $3,465,000 $105,000 $2,125 4.69%

    For 2018, First Security Bank's most frequently cited loan purpose was Home Purchase, with 1,492 originations. The 2nd most popular reason was Refi, with 164 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,085 $187,155,000 $172,493 $2,814 4.34%
    Other 208 $40,360,000 $194,038 $988 5.53%
    3 Year 197 $22,285,000 $113,122 $88 5.69%
    15 Year 120 $19,800,000 $165,000 $2,701 3.86%
    5 Year 110 $26,660,000 $242,364 $431 5.54%
    1 Year 89 $12,985,000 $145,899 $2,141 5.63%
    20 Year 28 $4,170,000 $148,929 $2,427 4.34%
    10 Year 5 $355,000 $71,000 $2,771 4.08%

    For 2018, First Security Bank's most frequently cited loan duration was 30 Year, with 1,085 originations. The 2nd most popular length was Other, with 208 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 883 $156,825,000 $177,605
    $1k-2k 204 $27,690,000 $135,735
    $2k-3k 102 $19,350,000 $189,706
    $3k-4k 28 $7,800,000 $278,571
    $4k-5k 9 $2,955,000 $328,333
    $5k+ 4 $1,620,000 $405,000

    First Security Bank's average total fees were $2,814, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 883 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 904 $161,240,000 $178,363
    5-6% 466 $81,250,000 $174,356
    3-4% 377 $62,985,000 $167,069
    6-7% 81 $7,385,000 $91,173
    7-8% 9 $245,000 $27,222
    % 2 $180,000 $90,000
    2.5-3% 2 $460,000 $230,000
    Over 8% 1 $25,000 $25,000

    During 2018, First Security Bank's average interest rate for loans was 4.34%, while their most frequently originated rate bucket for loans was 4-5%, with 904 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 805 $115,485,000 $143,460 $2,644 4.53%
    $100,000 or less 585 $37,145,000 $63,496 $1,927 5.15%
    $200k-400k 389 $102,695,000 $263,997 $3,225 4.47%
    $400k-600k 40 $17,570,000 $439,250 $3,700 4.57%
    $1MM+ 14 $33,370,000 $2,383,571 $5,683 5.34%
    $600k-1MM 9 $7,505,000 $833,889 $2,794 5.19%

    2018 saw First Security Bank place emphasis on $100k-200k loans with 805 originations, totaling $115,485,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 458 $48,660,000 $106,245 $2,429 4.50%
    $50k-75k 371 $53,095,000 $143,113 $2,559 4.56%
    $100k-150k 244 $48,490,000 $198,730 $2,858 4.64%
    $75k-100k 240 $39,830,000 $165,958 $3,103 4.60%
    $150k-250k 145 $32,245,000 $222,379 $2,708 4.68%
    $250k+ 66 $17,500,000 $265,152 $3,304 4.94%

    First Security Bank lent most frequently to those with incomes in the $50k or less range, with 458 originations. The second most popular income band? $50k-75k, with 371 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 371 $55,805,000 $150,418 $2,338 4.62%
    30-36% 279 $43,325,000 $155,287 $2,575 4.59%
    <20% 195 $30,445,000 $156,128 $2,250 4.69%
    44% 58 $9,460,000 $163,103 $3,175 4.30%
    39% 56 $9,460,000 $168,929 $3,015 4.66%
    41% 51 $9,315,000 $182,647 $2,822 4.27%
    38% 50 $7,530,000 $150,600 $3,004 4.52%
    37% 50 $7,470,000 $149,400 $2,794 4.57%
    40% 48 $7,790,000 $162,292 $2,807 4.58%
    43% 46 $8,730,000 $189,783 $2,989 4.29%
    50-60% 45 $7,455,000 $165,667 $3,577 4.17%
    45% 44 $6,900,000 $156,818 $2,644 4.19%
    36% 42 $6,300,000 $150,000 $2,544 4.64%
    42% 39 $5,775,000 $148,077 $2,987 4.34%
    49% 37 $7,165,000 $193,649 $2,508 4.43%
    48% 32 $6,190,000 $193,438 $2,937 4.34%
    47% 31 $5,495,000 $177,258 $3,539 4.32%
    46% 31 $5,125,000 $165,323 $3,154 4.33%
    >60% 3 $565,000 $188,333 $6,938 5.53%

    First Security Bank lent most frequently to those with DTI ratios of 20-30%, with 371 originations. The next most common DTI ratio? 30-36%, with 279 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,487 $237,435,000 $159,674 $2,682 4.59%
    Not applicable 259 $61,645,000 $238,012 $1,155 5.53%
    Asian 35 $6,165,000 $176,143 $2,535 4.36%
    Black 32 $4,190,000 $130,938 $2,950 4.73%
    Not provided 23 $3,505,000 $152,391 $2,204 4.57%
    American Indian 3 $395,000 $131,667 $1,879 4.21%
    Other Asian 1 $185,000 $185,000 $3,598 3.75%
    Guamanian 1 $135,000 $135,000 $3,955 3.75%
    Native Hawaiian or Islander 1 $115,000 $115,000 $1,960 3.88%

    Approval Rates

    Total approvals of all applications
    91.63%

    First Security Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.05%

    First Security Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,842 $313,770,000 $170,342

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $135,000 $135,000
    Multifamily:Site-Built 30 $35,870,000 $1,195,667
    Single Family (1-4 Units):Manufactured 7 $505,000 $72,143
    Single Family (1-4 Units):Site-Built 1,804 $277,260,000 $153,692

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 91 $8,275,000 $90,934 $1,569 5.36%
    40-60% 197 $25,725,000 $130,584 $2,472 4.93%
    60-80% 536 $102,630,000 $191,474 $2,708 4.87%
    80-100% 967 $171,475,000 $177,327 $2,701 4.52%
    Over 100% 19 $3,845,000 $202,368 $6,374 4.21%
    Under 20% 31 $1,515,000 $48,871 $824 5.62%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Security Bank 10 Bass Pro Drive Little Rock, AR 72201 Full Service B&M $9,644
    First Security Bank 100 West Emma Street Springdale, AR 72764 Full Service B&M $185,160
    First Security Bank 1001 Front Street Conway, AR 72032 Full Service B&M $135,506
    First Security Bank 1007 South Rogers Clarksville, AR 72830 Full Service B&M $3,521
    First Security Bank 10421 West Markham Little Rock, AR 72205 Full Service B&M $18,470
    First Security Bank 105 East Ninth Street Mountain Home, AR 72653 Full Service B&M $162,119
    First Security Bank 11 North College Avenue Fayetteville, AR 72701 Full Service B&M $24,440
    First Security Bank 1110 E Oak Conway, AR 72032 Full Service B&M $31,554
    First Security Bank 1118 South Main Street Searcy, AR 72143 Full Service B&M $18,186
    First Security Bank 112 Volunteers Parkway Clinton, AR 72031 Full Service B&M $31,345
    First Security Bank 11300 Cantrell Ste 100 Little Rock, AR 72201 Full Service B&M $20,326
    First Security Bank 1137 Main St. Vilonia, AR 72173 Full Service B&M $26,974
    First Security Bank 1140 Highway 25b Heber Springs, AR 72543 Full Service B&M $75,806
    First Security Bank 115 North Cravens Street Clarksville, AR 72830 Limited, Drive-thru $0
    First Security Bank 12005 Crystal Hill Road Maumelle, AR 72113 Full Service B&M $64,900
    First Security Bank 1212 Salem Road Benton, AR 72015 Full Service B&M $12,474
    First Security Bank 1219 East Joyce Boulevard Fayetteville, AR 72703 Full Service B&M $259,962
    First Security Bank 1341 Stadium Boulevard Jonesboro, AR 72401 Full Service B&M $151,224
    First Security Bank 1390 Highway 64 West Conway, AR 72032 Full Service B&M $70,335
    First Security Bank 1401 Military Road Benton, AR 72015 Full Service B&M $27,872
    First Security Bank 14512 Highway 12 East Rogers, AR 72757 Full Service B&M $13,073
    First Security Bank 15420 Chenal Parkway Little Rock, AR 72211 Full Service B&M $7,893
    First Security Bank 1759 Airport Road Hot Springs, AR 71913 Full Service B&M $1,384
    First Security Bank 1777 Centerton Avenue Centerton, AR 72719 Full Service B&M $1,389
    First Security Bank 17810 Cantrell Road Little Rock, AR 72223 Full Service B&M $508,723
    First Security Bank 1823 North Reynolds Road Bryant, AR 72022 Full Service B&M $22,177
    First Security Bank 191 West Main Street Farmington, AR 72730 Full Service B&M $12,695
    First Security Bank 200 South Seventh Street Heber Springs, AR 72543 Full Service B&M $13,115
    First Security Bank 2012 East Robinson Avenue Springdale, AR 72764 Full Service B&M $19,103
    First Security Bank 205 West Carpenter Benton, AR 72015 Full Service B&M $172,852
    First Security Bank 205 West Pine Street Cabot, AR 72023 Full Service B&M $67,296
    First Security Bank 20697 I-30 Bryant, AR 72022 Full Service B&M $110,638
    First Security Bank 2101 Dave Ward Drive Conway, AR 72032 Full Service B&M $33,900
    First Security Bank 214 West Main Street Clarksville, AR 72830 Full Service B&M $107,775
    First Security Bank 22 Highway 64 West Beebe, AR 72012 Full Service B&M $2,122
    First Security Bank 2255 West Main Street Cabot, AR 72023 Full Service B&M $3,162
    First Security Bank 2300 South Walton Boulevard Bentonville, AR 72712 Full Service B&M $33,081
    First Security Bank 2500 West Sunset Springdale, AR 72764 Limited, Trust Office $0
    First Security Bank 2504 Mccain Boulevard North Little Rock, AR 72116 Full Service B&M $13,121
    First Security Bank 2504 West Main Street Russellville, AR 72801 Full Service B&M $7,987
    First Security Bank 2531 W Beebe-Capps Expressway Searcy, AR 72143 Full Service B&M $43,459
    First Security Bank 2710 East Mission Blvd Fayetteville, AR 72703 Full Service B&M $11,899
    First Security Bank 2763 Highway 62 East Mountain Home, AR 72653 Full Service B&M $17,227
    First Security Bank 2800 East Race Avenue Searcy, AR 72143 Limited, Administrative $0
    First Security Bank 2800 East Race Avenue Searcy, AR 72143 Full Service B&M $68,100
    First Security Bank 2863 West Sunset Springdale, AR 72762 Full Service B&M $128,560
    First Security Bank 2925 Prince Conway, AR 72032 Full Service B&M $129,342
    First Security Bank 314 North Spring Street Searcy, AR 72143 Full Service B&M $516,702
    First Security Bank 3333 Pinnacle Hills Pkwy Rogers, AR 72756 Full Service B&M $44,679
    First Security Bank 3443 West Wedington Drive Fayetteville, AR 72701 Full Service B&M $7,328
    First Security Bank 3901 West Walnut Street Rogers, AR 72756 Full Service B&M $40,634
    First Security Bank 400 West Center Street Beebe, AR 72012 Full Service B&M $820
    First Security Bank 400 West Monroe Lowell, AR 72745 Full Service B&M $36,383
    First Security Bank 4129 Central Avenue Hot Springs, AR 71913 Full Service B&M $82,674
    First Security Bank 415 East Broadway North Little Rock, AR 72114 Full Service B&M $5,741
    First Security Bank 4204 East Johnson Avenue Jonesboro, AR 72401 Full Service B&M $3,254
    First Security Bank 4934 And 4936 West Markham Street Little Rock, AR 72205 Full Service B&M $9,676
    First Security Bank 502 East Highway 64 Coal Hill, AR 72832 Full Service B&M $94
    First Security Bank 502 Main Street Pangburn, AR 72121 Full Service B&M $13,108
    First Security Bank 502 South Crawford Street Clarksville, AR 72830 Full Service B&M $797
    First Security Bank 520 Highway 5 North Mountain Home, AR 72654 Full Service B&M $27,235
    First Security Bank 5208 South Thompson Springdale, AR 72764 Full Service B&M $19,013
    First Security Bank 521 President Clinton Avenue Little Rock, AR 72201 Full Service B&M $25,704
    First Security Bank 5600 Kavanaugh Drive Little Rock, AR 72207 Full Service B&M $21,192
    First Security Bank 5619 Highway 5 North Bryant, AR 72022 Full Service B&M $36,114
    First Security Bank 601 East First Street Mcrae, AR 72102 Full Service B&M $3,116
    First Security Bank 601 East Main Street Mountain View, AR 72560 Full Service B&M $21,730
    First Security Bank 613 Southwest Drive Jonesboro, AR 72401 Full Service B&M $25,084
    First Security Bank 624 Highway 365 South Mayflower, AR 72106 Full Service B&M $20,423
    First Security Bank 640 North Garland Avenue, Suite 208 Fayetteville, AR 72701 Full Service B&M $4,434
    First Security Bank 6855 Jfk Boulevard North Little Rock, AR 72114 Full Service B&M $27,978
    First Security Bank 7 Wilson Farm Road Greenbrier, AR 72058 Full Service B&M $79,266
    First Security Bank 7447 Highway 62 West Gassville, AR 72635 Full Service B&M $16,660
    First Security Bank 906 South Pine, Suite 14 Cabot, AR 72023 Full Service B&M $3,695
    First Security Bank 949 Highway 62 East Mountain Home, AR 72653 Full Service B&M $57,148
    First Security Bank Central Boulevard Bull Shoals, AR 72619 Full Service B&M $20,858
    First Security Bank Dewitt Henry Drive Beebe, AR 72012 Full Service B&M $108,967
    First Security Bank Jefferson And Van Buren Streets Judsonia, AR 72081 Full Service B&M $15,400

    For 2018, First Security Bank had 78 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $214,284
    Net interest income $185,834
    Total noninterest income $27,035
    Gross Fiduciary activities income $3,269
    Service charges on deposit accounts $9,364
    Trading account gains and fees $0
    Additional Noninterest Income $14,402
    Pre-tax net operating income $112,990
    Securities gains (or losses, -) $2,258
    Income before extraordinary items $108,416
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $108,416
    Minority interest net income $0
    Net income $108,416
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $106,293

    First Security Bank's gross interest income from loans was $214,284,000.
    First Security Bank's net interest income from loans was $185,834,000.
    First Security Bank's fee based income from loans was $9,364,000.
    First Security Bank's net income from loans was $108,416,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $28,450
    Provision for credit losses $6,305
    Total noninterest expense $93,574
    Salaries and employee benefits $52,944
    Premises and equipment expense $13,345
    Additional noninterest expense $27,285
    Applicable income taxes $6,832
    Net charge-offs $-7,700
    Cash dividends $20,000

    First Security Bank's interest expense for loans was $28,450,000.
    First Security Bank's payroll and benefits expense were $52,944,000.
    First Security Bank's property, plant and equipment expenses $13,345,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,028,304
    Deposits held in domestic offices $4,028,304
    Deposits by Individuals, partnerships, and corporations $3,230,609
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $797,449
    Deposits by Commercial banks and other depository institutions in U.S. $246
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $552,957
    Demand deposits $141,856
    Nontransaction accounts $3,475,347
    Money market deposit accounts (MMDAs) $2,555,331
    Other savings deposits (excluding MMDAs) $303,670
    Total time deposits $616,346
    Total time and savings deposits $3,886,448
    Noninterest-bearing deposits $839,075
    Interest-bearing deposits $3,189,229
    Retail deposits $3,889,371
    IRAs and Keogh plan accounts $101,410
    Brokered deposits $6,603
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,261,829
    Cash & Balances due from depository institutions $204,184
    Interest-bearing balances $20,630
    Total securities $2,356,519
    Federal funds sold & reverse repurchase $26,325
    Net loans and leases $2,422,978
    Loan and leases loss allowance $80,489
    Trading account assets $0
    Bank premises and fixed assets $113,897
    Other real estate owned $3,733
    Goodwill and other intangibles $14,636
    All other assets $119,557

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,261,829
    Total Liabilities $4,246,922
    Total deposits $4,028,304
    Interest-bearing deposits $3,189,229
    Deposits held in domestic offices $4,028,304
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $195,785
    Trading liabilities $0
    Other borrowed funds $15,989
    Subordinated debt $0
    All other liabilities $6,844

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,422,978
    Loan and leases loss allowance $80,489
    Total loans and leases (domestic) $2,503,467
    All real estate loans $1,924,334
    Real estate loans in domestic offices $1,924,334
    Construction and development loans $442,375
    Residential 1-4 family construction $90,274
    Other construction, all land development and other land $352,101
    Loans secured by nonfarm nonresidential properties $918,366
    Nonfarm nonresidential secured by owner-occupied properties $239,335
    Commercial real estate & other non-farm, non-residential $679,031
    Multifamily residential real estate $78,116
    1-4 family residential loans $430,312
    Farmland loans $55,165
    Loans held in foreign offices $0
    Farm loans $15,432
    Commercial and industrial loans $365,590
    To non-U.S. addressees $0
    Loans to individuals $50,616
    Credit card loans $11,585
    Related Plans $2,567
    Consumer Auto Loans $13,767
    Other loans to individuals $22,697
    All other loans & leases $147,495
    Loans to foreign governments and official institutions $0
    Other loans $24,294
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $607
    Non 1-4 family restructured loans & leases $157
    Total loans and leases (foreign) $0

    First Security Bank had $2,422,978,000 of loans outstanding in 2018. $1,924,334,000 of loans were in real estate loans. $442,375,000 of loans were in development loans. $78,116,000 of loans were in multifamily mortgage loans. $430,312,000 of loans were in 1-4 family mortgage loans. $15,432,000 of loans were in farm loans. $11,585,000 of loans were in credit card loans. $13,767,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,310 $246,018 $187,800
    Nonfarm, nonresidential loans - <$100k 384 $15,030 $39,141
    Nonfarm, nonresidential loans - $100-250k 433 $55,125 $127,309
    Nonfarm, nonresidential loans - $250k-1MM 493 $175,863 $356,720
    Commercial & Industrial, US addressed loans - <$1MM 2,131 $113,415 $53,221
    Commercial & Industrial, US addressed loans - <$100k 1,686 $34,617 $20,532
    Commercial & Industrial, US addressed loans - $100-250k 263 $26,679 $101,441
    Commercial & Industrial, US addressed loans - $250k-1MM 182 $52,119 $286,368
    Farmland loans - <$1MM 320 $30,422 $95,069
    Farmland loans - <$100k 183 $7,306 $39,923
    Farmland loans - $100-250k 99 $12,047 $121,687
    Farmland loans - $250k-1MM 38 $11,069 $291,289
    Agriculture operations loans - <$1MM 364 $9,261 $25,442
    Agriculture operations loans - <$100k 333 $5,397 $16,207
    Agriculture operations loans - $100-250k 25 $2,347 $93,880
    Agriculture operations loans - $250k-1MM 6 $1,517 $252,833