BlastPoint's Banking Scorecard
First State Bank
Lonoke, AR
6 branches across AR
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 33.1% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 5.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.5M
+6.3% YoY
-0.9% QoQ
|
-$60.5M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$236.2M
+4.0% YoY
-1.4% QoQ
|
-$19.5M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$288.0M
+4.7% YoY
-1.4% QoQ
|
-$39.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.07%
+32.6% YoY
+2.3% QoQ
|
-0.20% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.67%
+15.0% YoY
+3.9% QoQ
|
-0.26% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
59.58%
-8.3% YoY
+1.2% QoQ
|
-5.71% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
82.02%
-0.7% YoY
+0.1% QoQ
|
+5.38% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
12.96%
+2.0% YoY
-5.9% QoQ
|
-9.06% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.83%
-0.0% YoY
+0.9% QoQ
|
-5.00% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.04%
-8.4% YoY
-76.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.