First Security Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Security Bank (FDIC Cert #17120) at 69/100 for bank stress — a elevated level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

First Security Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. At the county level, First Security Bank finances markets like Panola County, MS, Desoto County, MS, Quitman County, MS, Marshall County, MS — the specific places where its credit posture translates into local lending capacity. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A elevated score on a footprint this size means the markets First Security Bank touches inherit a corresponding share of that lending pressure. First Security Bank is held under Security Capital Corp, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model First Security Bank in isolation: the 36-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Its footprint is compact and single-state: 36 ZIP codes in 6 counties over 1 states. The deepest footprints are Mississippi (6 counties). The First Security Bank score updates as fresh FDIC call reports post each quarter, so its 69/100 reading and 6-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Security Bank is directly comparable to any lender in the country.

For buyers, lender stress is an early map of supply: when First Security Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.