FIRST NATURALSTATE BANK

MCGEHEE, AR | Small | Est. Jan. 2, 1974, midnight | FDIC #21379 | RSSD #78241 | FED
Latest Report: 2025-12-31

FIRST NATURALSTATE BANK is asn small FDIC-insured commercial bank headquartered in MCGEHEE, AR, established in Jan. 2, 1974, midnight. As of 2025-12-31, the bank reported total assets of $102M and total deposits of $84M. Profitability stands at 0.62% ROA and 4.26% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 26.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 4.04%. FDIC Certificate #21379.

Assets

$102M

Deposits

$84M

Loans

$82M

Equity

$15M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 4.26%
Net Interest Margin (NIM) 4.46%
Yield on Assets 6.48%
Cost of Funds 3.40%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.07%
Texas Ratio 4.04%
NPA Ratio 0.65%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 26.39%
Tier 1 Capital 26.39%
Total Capital Ratio 27.65%
Leverage Ratio 15.45%
Loan-to-Deposit 97.77%

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