BlastPoint's Banking Scorecard

First Naturalstate Bank

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

Designations: ✓ CDFI-certified

Mcgehee, AR

3 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

First Naturalstate Bank has 2 strengths but faces 5 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 0.25% above tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 10.2% in tier
- Flatlined Growth: Bottom 41.8% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.35% below tier average
- Efficiency Ratio 5.22% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$103.5M +1.1% YoY +1.2% QoQ	-$282.6M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	Bottom 1.2% in tier
Total Loans ?	$81.7M +15.4% YoY +1.4% QoQ	-$174.1M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	Bottom 11.8% in tier
Total Deposits ?	$87.8M +0.4% YoY +4.8% QoQ	-$240.1M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	Bottom 1.9% in tier
Return on Assets ?	0.92% +6.3% YoY +2.3% QoQ	-0.35%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	4.18% +8.2% YoY +4.0% QoQ	+0.25%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	70.50% -1.2% YoY +3.3% QoQ	+5.22%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.60% -13.5% YoY +7.5% QoQ	-0.29%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	92.97% +14.9% YoY -3.3% QoQ	+16.33%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	31.47% -2.5% YoY +2.1% QoQ	+9.45%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	Top 14.8% in tier
Nonperforming Asset Ratio ?	0.47% -1.3% YoY -27.8% QoQ	-0.17%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	24.39% +1.1% YoY -8.1% QoQ	+8.56%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Top 7.1% in tier
Non-Interest Income / Assets ?	0.03% -18.1% YoY -79.8% QoQ	-0.25%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	Bottom 7.1% in tier

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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 (2)

Liquidity Overhang

risk

#76 of 739 • Bottom 10.2% 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: 24.39%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#215 of 512 • Bottom 41.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.92%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

190

Tier 1 Capital Ratio

capital

Value: 24.39%

Peer Median: 15.83%

#190 of 2664 Top 7.1% in $100M-$1B

394

Non-Interest-Bearing Deposit Share

funding

Value: 31.47%

Peer Median: 22.02%

#394 of 2664 Top 14.8% in $100M-$1B

Top Weaknesses (5 metrics)

2632

Total Assets

size

Value: $103.52M

Peer Median: $386.08M

#2632 of 2664 Bottom 1.2% in $100M-$1B

2614

Total Deposits

size

Value: $87.84M

Peer Median: $327.97M

#2614 of 2664 Bottom 1.9% in $100M-$1B

2476

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2476 of 2664 Bottom 7.1% in $100M-$1B

2350

Total Loans

size

Value: $81.66M

Peer Median: $255.72M

#2350 of 2664 Bottom 11.8% in $100M-$1B

2175

Loan-to-Deposit Ratio

liquidity

Value: 92.97%

Peer Median: 76.64%

#2175 of 2664 Bottom 18.4% in $100M-$1B