FIRST STATE BANK

RUSSELLVILLE, AR | Medium | Est. Jan. 12, 1934, midnight | FDIC #13632 | RSSD #114840 | FED
Latest Report: 2025-12-31

FIRST STATE BANK is amn medium FDIC-insured commercial bank headquartered in RUSSELLVILLE, AR, established in Jan. 12, 1934, midnight. As of 2025-12-31, the bank reported total assets of $614M and total deposits of $540M. Profitability stands at 1.47% ROA and 13.71% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 15.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #13632.

Assets

$614M

Deposits

$540M

Loans

$437M

Equity

$67M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 13.71%
Net Interest Margin (NIM) 3.97%
Yield on Assets 6.30%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 15.12%
Tier 1 Capital 15.12%
Total Capital Ratio 16.37%
Leverage Ratio 11.18%
Loan-to-Deposit 80.93%

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