First Security Bank (FDIC #4041): Bank Stress & Real-Estate Credit Exposure

First Security Bank (FDIC Cert #4041): bank stress 74/100, elevated, STABLE over 7 days; parent COMMUNITY CAPITAL BCORP INC.

First Security Bank (#4041) lends in 3 counties across 2 states; First Security Bank (#4041) reaches 37 ZIP codes: Texas 2 counties, 30 ZIPs; Oklahoma 1 county, 7 ZIPs.

First Security Bank (#4041) largest markets: Jefferson County, TX (18 branches, 18 ZIPs) (#4041), Hardin County, TX (12 branches, 12 ZIPs) (#4041), Beaver County, OK (7 branches, 7 ZIPs) (#4041).

First Security Bank (#4041) reports $335.0 million in total assets; First Security Bank (#4041) equity $28.5 million (8.5% of First Security Bank (#4041) assets); First Security Bank (#4041) domestic deposits $277.4 million; First Security Bank (#4041) net income $1.7 million; First Security Bank (#4041) return on assets 1.11%; First Security Bank (#4041) return on equity 13.18%; First Security Bank (#4041) net interest income $6.6 million; First Security Bank (#4041) call report June 30, 2026.

First Security Bank (#4041) noncurrent real-estate loans: none reported; First Security Bank (#4041) net charge-offs on real estate 0.45%.

First Security Bank (#4041) net interest margin 4.65% against an eight-quarter First Security Bank (#4041) average of 4.66% (First Security Bank (#4041) compression 0.01 points); First Security Bank (#4041) rate-exposure score 40/100, First Security Bank (#4041) fixed-rate trap 40/100; First Security Bank (#4041) risk type credit driven; First Security Bank (#4041) rate regime rates elevated, First Security Bank (#4041) snapshot October 19, 2026.

First Security Bank (#4041) stress score moved from 78.7 on June 22, 2026 to 73.5 on October 19, 2026; First Security Bank (#4041) ranged 73.5 to 78.7 over 116 snapshots.

First Security Bank (#4041) alerts: 3 counties; top First Security Bank (#4041) alert scores: Beaver County, OK 57 (elevated); Beaumont County, OK 24 (low); Sour Lake County, OK 24 (low).