First State Bank of Dequeen: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Dequeen is one of the more profitable banks of its size. The De Queen, Arkansas bank had $525 million in assets at June 30, 2026, up 12.9% from a year earlier. It returns 23.2% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 18% from a year earlier, to $2.0 million. Over the same year, loans grew 8.4% and deposits grew 14.6%. Where it has less room is capital: it funds 8.54% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, First State Bank of Dequeen reported a return on assets of 1.52%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 9.72%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 402 W Collin Raye Dr, De Queen, AR 71832
- County
- Sevier
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1974
- Offices
- 7 domestic
- Employees (FTE)
- 67
- Domestic deposits
- $463.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $116K
- Average total assets
- $521.0M
- Average total loans
- $292.0M
- Average interest-bearing deposits
- $419.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 1974
- FDIC Cert
- 21805
- Fed RSSD
- 519146
- Website
- www.fsbdequeen.com →
- Parent Holding Company
- FIRST STATE BANCSHARES, INC. (RSSD 2032724)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First State Bank of Dequeen terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.54% | 1.52% | 1.23% | 9.72% | 3.41% |
| Q1 2026 | 8.43% | 1.51% | 1.15% | 9.14% | 3.31% |
| Q4 2025 | 9.24% | 0.92% | 1.18% | 8.07% | 3.29% |
| Q3 2025 | 9.21% | 1.78% | 1.28% | 8.93% | 3.40% |
| Q2 2025 | 8.23% | 1.48% | 1.09% | 9.81% | 3.22% |
| Q1 2025 | 9.07% | 1.34% | 1.16% | 9.67% | 3.11% |
| Q4 2024 | 8.23% | 1.14% | 1.39% | 13.88% | 3.03% |
| Q3 2024 | 8.74% | 1.08% | 1.99% | 16.75% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank of Dequeen (main office) | De Queen , AR | 71832 | $222.3M |
| First State Bank of Nashville Branch | Nashville , AR | 71852 | $79.1M |
| First State Bank of Dierks Branch | Dierks , AR | 71833 | $71.3M |
| First State Bank of Pike County Branch | Murfreesboro , AR | 71958 | $51.2M |
| First State Bank of Glenwood Branch | Glenwood , AR | 71943 | $34.5M |
| North Camellia Street Branch | Lockesburg , AR | 71846 | $5.2M |
| North Side Branch | De Queen , AR | 71832 | $0 |
Regulatory record
What the public regulatory sources show for First State Bank of Dequeen, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 21, 2011, Federal Reserve: Civil Money Penalty, $4,235: First State Bank of DeQueen, DeQueen, Arkansas
- Period: Most recent institution action November 21, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in AR, rank 43 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.9M approved, $955K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First State Bank of Dequeen
What are First State Bank of Dequeen's total assets?
As of the Q2 2026 filing, First State Bank of Dequeen reported total assets of $525.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank of Dequeen headquartered?
First State Bank of Dequeen is headquartered in De Queen, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First State Bank of Dequeen founded?
First State Bank of Dequeen was established in 1974, per the FDIC institution directory.
Is First State Bank of Dequeen FDIC-insured?
Yes. First State Bank of Dequeen is an FDIC-insured commercial bank (FDIC Certificate #21805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Dequeen?
First State Bank of Dequeen's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First State Bank of Dequeen operate?
First State Bank of Dequeen operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of Dequeen's Texas Ratio?
First State Bank of Dequeen's Texas Ratio is 9.72% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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