BlastPoint's Banking Scorecard

First State Bank of DeQueen

$100M-$1B Specialty: Agricultural AR FDIC cert 21805

De Queen, AR

7 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 +14.6% year over year ($463.6M on the books).
Delinquency rate 1.24%.
Return on assets 1.52%.
Efficiency ratio 53.49% vs a 64.48% peer average.
Loan-to-deposit ratio 62.96% 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 of DeQueen 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

+ ROA 0.20% above tier average
+ Efficiency Ratio 10.99% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 39.0% in tier
- Credit Quality Pressure: Bottom 49.5% in tier
- Non-Interest-Bearing Deposit Share 14.07% below tier average
- Net Interest Margin 0.61% below tier average

Get updates when First State Bank of DeQueen releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$525.1M +12.9% YoY +1.6% QoQ	+$138.5M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$291.9M +8.5% YoY +2.6% QoQ	+$33.6M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$463.6M +14.6% YoY -1.5% QoQ	+$136.9M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.52% +6.2% YoY +0.1% QoQ	+0.20%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	3.38% +4.1% YoY +1.4% QoQ	-0.61%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	23%
Efficiency Ratio ?	53.49% -4.6% YoY +1.8% QoQ	-10.99%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	1.24% +12.3% YoY +6.4% QoQ	+0.33%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	23%
Loan-to-Deposit Ratio ?	62.96% -5.3% YoY +4.2% QoQ	-14.99%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	7.96% -10.4% YoY +6.6% QoQ	-14.07%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	Bottom 7.0% in tier
Nonperforming Asset Ratio ?	0.72% +12.5% YoY +8.9% QoQ	+0.05%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	8.54% +3.8% YoY +1.3% QoQ	-7.37%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Bottom 0.4% in tier
Non-Interest Income / Assets ?	0.18% -13.0% YoY +119.1% QoQ	-0.39%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	43%

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	8.0% -0.9pp YoY +0.5pp QoQ	-14.2pp	22.1%	19.6%	22.2%	6%
Brokered Deposits	24.1% -1.4pp YoY -0.5pp QoQ	+16.3pp	7.9%	7.2%	8.5%	94%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	6.9% -0.2pp YoY +0.2pp QoQ	-4.6pp	11.6%	12.7%	12.5%	32%
CRE	19.6% -2.0pp YoY +0.2pp QoQ	-19.9pp	39.5%	41.0%	41.4%	17%
1-4 Family	18.8% +0.6pp YoY -0.4pp QoQ	-13.8pp	32.6%	28.1%	31.3%	27%
Consumer	2.6% -0.3pp YoY 0.0pp QoQ	-1.6pp	4.1%	4.5%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	8.5% +0.3pp YoY +0.1pp QoQ	-3.6pp	12.2%	11.9%	12.6%	7%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	67 +3 (+4.7%) YoY +2 (+3.1%) QoQ	+8	58	315	482	68%
Assets per Employee ($)	$7.8M +7.8% YoY -1.4% QoQ	+$319K	$7.5M	$6.7M	$8.8M	65%
Branch Count	7 0 YoY 0 QoQ	+2	4	25	18	75%

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	1.2% +0.1pp YoY +0.1pp QoQ	+0.3pp	0.9%	1.1%	1.0%	77%
Allowance Coverage	1.10x -14.2% YoY -6.3% QoQ	-23.05x	24.15x	4.69x	20.23x	30%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	22.1% -2.6pp YoY +0.4pp QoQ	+10.0pp	12.2%	12.3%	11.6%	93%
Cost of Funds (YTD)	2.9% -0.3pp YoY 0.0pp QoQ	+1.2pp	1.7%	2.0%	1.7%	97%
Net Income ($, YTD)	$3.9M +25.4% YoY — QoQ	+$1.4M	$2.6M	$16.0M	$40.4M	80%

Get Full Access to First State Bank of DeQueen

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Credit Risk Growth

risk

#366 of 936 • Bottom 39.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#623 of 1256 • Bottom 49.5% in tier

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

Why this signature

Delinquency Rate: 1.24%

(Tier: 0.92%, National: 0.98%)

worse 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).

Compare against:

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

Top Strengths (3 metrics)

550

Loan-to-Deposit Ratio

liquidity

Value: 62.96%

Peer Median: 77.95%

#550 of 2643 Top 20.8% in $100M-$1B

626

Total Deposits

size

Value: $463.64M

Peer Median: $326.73M

#626 of 2643 Top 23.6% in $100M-$1B

649

Efficiency Ratio

profitability

Value: 53.49%

Peer Median: 64.48%

#649 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (4 metrics)

2634

Tier 1 Capital Ratio

capital

Value: 8.54%

Peer Median: 15.91%

#2634 of 2643 Bottom 0.4% in $100M-$1B

2459

Non-Interest-Bearing Deposit Share

funding

Value: 7.96%

Peer Median: 22.03%

#2459 of 2643 Bottom 7.0% in $100M-$1B

2044

Net Interest Margin

profitability

Value: 3.38%

Peer Median: 3.99%

#2044 of 2643 Bottom 22.7% in $100M-$1B

2020

Delinquency Rate

credit_quality

Value: 1.24%

Peer Median: 0.92%

#2020 of 2633 Bottom 23.3% in $100M-$1B