BlastPoint's Banking Scorecard

First Naturalstate Bank

$100M-$1B Specialty: Other AR FDIC cert 21379

Designations: ✓ CDFI-certified

Mcgehee, AR

3 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 +6.0% year over year ($91.3M on the books).
Delinquency rate 0.50%.
Return on assets 1.03%.
Efficiency ratio 67.04% vs a 64.48% peer average.
Loan-to-deposit ratio 95.76% 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 Naturalstate Bank has 2 strengths but faces 4 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

+ Net Interest Margin 0.15% above tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 9.4% in tier
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.29% below tier average
- Efficiency Ratio 2.57% above tier average

Get updates when First Naturalstate 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 ?	$108.8M +7.8% YoY +5.1% QoQ	-$277.8M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	Bottom 2.4% in tier
Total Loans ?	$87.4M +15.7% YoY +7.0% QoQ	-$170.9M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Bottom 13.6% in tier
Total Deposits ?	$91.3M +6.0% YoY +3.9% QoQ	-$235.5M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Bottom 3.0% in tier
Return on Assets ?	1.03% +11.6% YoY +11.8% QoQ	-0.29%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	4.13% +6.9% YoY -1.1% QoQ	+0.15%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	67.04% -3.3% YoY -4.9% QoQ	+2.57%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.50% -42.7% YoY -15.4% QoQ	-0.41%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	95.76% +9.2% YoY +3.0% QoQ	+17.80%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	30.72% +1.1% YoY -2.4% QoQ	+8.68%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	0.40% -38.5% YoY -13.9% QoQ	-0.26%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	24.36% -4.9% YoY -0.1% QoQ	+8.45%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Top 7.5% in tier
Non-Interest Income / Assets ?	0.05% -26.0% YoY +93.5% QoQ	-0.51%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	Bottom 6.4% 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	30.7% +0.3pp YoY -0.8pp QoQ	+8.6pp	22.1%	19.6%	22.2%	84%
Brokered Deposits	n/a	n/a	7.9%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	12.6% -1.7pp YoY -0.6pp QoQ	+1.1pp	11.6%	12.7%	12.5%	67%
CRE	15.8% -1.2pp YoY -0.7pp QoQ	-23.7pp	39.5%	41.0%	41.4%	12%
1-4 Family	43.0% -0.3pp YoY -2.1pp QoQ	+10.3pp	32.6%	28.1%	31.3%	74%
Consumer	6.6% -0.6pp YoY +0.3pp QoQ	+2.5pp	4.1%	4.5%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	24.4% -1.3pp YoY 0.0pp QoQ	+5.5pp	18.8%	15.1%	19.7%	88%
Leverage Ratio	15.5% -2.3pp YoY +0.1pp QoQ	+3.4pp	12.2%	11.9%	12.6%	89%
Total Capital Ratio	25.6% -1.3pp YoY 0.0pp QoQ	+5.7pp	19.9%	16.3%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	21 +1 (+5.0%) YoY +1 (+5.0%) QoQ	-38	58	315	482	12%
Assets per Employee ($)	$5.2M +2.7% YoY +0.1% QoQ	-$2.3M	$7.5M	$6.7M	$8.8M	17%
Branch Count	3 0 YoY 0 QoQ	-2	4	25	18	26%

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	0.5% -0.4pp YoY -0.1pp QoQ	-0.4pp	0.9%	1.1%	1.0%	53%
Allowance Coverage	3.12x +57.6% YoY +9.8% QoQ	-21.03x	24.15x	4.69x	20.23x	60%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY	-0.1pp	0.1%	0.2%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	7.0% +0.6pp YoY +0.8pp QoQ	-5.1pp	12.2%	12.3%	11.6%	21%
Cost of Funds (YTD)	1.9% -0.1pp YoY +0.1pp QoQ	+0.2pp	1.7%	2.0%	1.7%	64%
Net Income ($, YTD)	$540,000 +17.6% YoY — QoQ	-$2.0M	$2.6M	$16.0M	$40.4M	12%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#71 of 742 • Bottom 9.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.36%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 95.76%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

199

Tier 1 Capital Ratio

capital

Value: 24.36%

Peer Median: 15.91%

#199 of 2643 Top 7.5% in $100M-$1B

429

Non-Interest-Bearing Deposit Share

funding

Value: 30.72%

Peer Median: 22.03%

#429 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (5 metrics)

2581

Total Assets

size

Value: $108.82M

Peer Median: $386.57M

#2581 of 2643 Bottom 2.4% in $100M-$1B

2566

Total Deposits

size

Value: $91.27M

Peer Median: $326.73M

#2566 of 2643 Bottom 3.0% in $100M-$1B

2475

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2475 of 2643 Bottom 6.4% in $100M-$1B

2284

Total Loans

size

Value: $87.40M

Peer Median: $258.35M

#2284 of 2643 Bottom 13.6% in $100M-$1B

2240

Loan-to-Deposit Ratio

liquidity

Value: 95.76%

Peer Median: 77.95%

#2240 of 2643 Bottom 15.3% in $100M-$1B