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First State Bank

$100M-$1B Specialty: Commercial AR FDIC cert 13632

Russellville, AR

5 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +3.6% year over year ($547.0M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.62%.
  • Efficiency ratio 49.03% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

First State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 4.0% in tier
  • + Efficiency Ratio 15.45% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.0% in tier
  • - Net Interest Margin 2.07% below tier average
  • - ROA 0.70% below tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $665.4M
+11.2% YoY +8.7% QoQ
+$278.8M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
Top 14.5% in tier
Total Loans ? $454.9M
+13.0% YoY +2.6% QoQ
+$196.5M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
85%
Total Deposits ? $547.0M
+3.6% YoY +1.8% QoQ
+$220.3M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 0.62%
-48.3% YoY +94.2% QoQ
-0.70% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 1.91%
-44.0% YoY -49.4% QoQ
-2.07% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Bottom 0.7% in tier
Efficiency Ratio ? 49.03%
-7.6% YoY -43.6% QoQ
-15.45% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
Top 14.9% in tier
Delinquency Rate ? 0.05%
+246.3% QoQ
-0.87% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 83.15%
+9.0% YoY +0.7% QoQ
+5.20% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 21.92%
-3.1% YoY -2.6% QoQ
-0.11% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.03%
+110.5% YoY +226.7% QoQ
-0.64% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 15.08%
-0.8% YoY +0.7% QoQ
-0.83% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.08%
-63.5% YoY +6.5% QoQ
-0.49% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Bottom 12.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 21.9%
-0.7pp YoY
-0.6pp QoQ
 -0.2pp 22.1% 19.6% 22.2% 54%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 7.2% 8.5% 0%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 13.2%
-0.8pp YoY
-0.9pp QoQ
 +1.7pp 11.6% 12.7% 12.5% 69%
CRE 53.6%
-1.7pp YoY
+0.7pp QoQ
 +14.1pp 39.5% 41.0% 41.4% 76%
1-4 Family 26.8%
+3.0pp YoY
+0.5pp QoQ
 -5.8pp 32.6% 28.1% 31.3% 44%
Consumer 0.5%
0.0pp YoY
-0.1pp QoQ
 -3.6pp 4.1% 4.5% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 15.1%
-0.1pp YoY
+0.1pp QoQ
 -3.7pp 18.8% 15.1% 19.7% 50%
Leverage Ratio 11.4%
+0.4pp YoY
0.0pp QoQ
 -0.7pp 12.2% 11.9% 12.6% 57%
Total Capital Ratio 16.3%
-0.2pp YoY
0.0pp QoQ
 -3.7pp 19.9% 16.3% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 64
-1 (-1.5%) YoY
0 QoQ
 +5 58 315 482 66%
Assets per Employee ($) $10.4M
+13.0% YoY
+8.7% QoQ
 +$2.9M $7.5M $6.7M $8.8M 88%
Branch Count 5
0 YoY
0 QoQ
 0 4 25 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 11%
Allowance Coverage 25.17x
-74.1% QoQ
 +1.02x 24.15x 4.69x 20.23x 90%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 4.8%
-7.2pp YoY
+1.9pp QoQ
 -7.3pp 12.2% 12.3% 11.6% 13%
Cost of Funds (YTD) 1.1%
-1.2pp YoY
-1.0pp QoQ
 -0.6pp 1.7% 2.0% 1.7% 14%
Net Income ($, YTD) $2.0M
-45.4% YoY
— QoQ
 -$598K $2.6M $16.0M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#27 of 659 • Top 4.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#114 of 1256 • Bottom 9.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

383
Total Assets
size
Value: $665.37M
Peer Median: $386.57M
#383 of 2643 Top 14.5% in $100M-$1B
395
Efficiency Ratio
profitability
Value: 49.03%
Peer Median: 64.48%
#395 of 2643 Top 14.9% in $100M-$1B
405
Total Loans
size
Value: $454.88M
Peer Median: $258.35M
#405 of 2643 Top 15.3% in $100M-$1B
428
Total Deposits
size
Value: $547.05M
Peer Median: $326.73M
#428 of 2643 Top 16.2% in $100M-$1B
478
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#478 of 2643 Top 18.0% in $100M-$1B
527
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#527 of 2633 Top 20.0% in $100M-$1B

Top Weaknesses (3 metrics)

2626
Net Interest Margin
profitability
Value: 1.91%
Peer Median: 3.99%
#2626 of 2643 Bottom 0.7% in $100M-$1B
2314
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2314 of 2643 Bottom 12.5% in $100M-$1B
2225
Return on Assets
profitability
Value: 0.62%
Peer Median: 1.32%
#2225 of 2643 Bottom 15.9% in $100M-$1B
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