FIRST STATE BANK

Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in LONOKE, AR, established in March 18, 1935, midnight. As of 2025-12-31, the bank reported total assets of $329M and total deposits of $292M. Profitability stands at 1.12% ROA and 11.04% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 9.67%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15050.

Assets

$329M

Deposits

$292M

Loans

$243M

Equity

$33M

Profitability

Return on Assets (ROA) 1.12%

Return on Equity (ROE) 11.04%

Net Interest Margin (NIM) 3.97%

Yield on Assets 6.33%

Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio -0.01%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 9.67%

Tier 1 Capital 9.67%

Total Capital Ratio 10.15%

Leverage Ratio 10.73%

Loan-to-Deposit 83.10%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history

Excel tearsheet exports

Peer benchmarking

Risk & failure probability

Create Free Account

No credit card required