BanksFIRST NATURALSTATE BANK

FIRST NATURALSTATE BANK

MCGEHEE, ARSmallEst. Jan. 2, 1974, midnightFDIC #21379RSSD #78241FED
Latest · 2025-12-31

FIRST NATURALSTATE BANK is an 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%. CET1 capital ratio: 26.39%, well above regulatory minimums. NPL ratio: 0.54% · Texas Ratio: 4.04%. Operates 3 domestic branches.

Assets
$102M
Deposits
$84M
Loans
$82M
Equity
$15M

Profitability

Return on Assets (ROA)0.62%
Return on Equity (ROE)4.26%
Net Interest Margin4.46%
Yield on Assets6.48%
Cost of Funds2.22%

Asset Quality

NPL Ratio0.54%
Net Charge-Off Ratio0.07%
Texas Ratio4.04%
NPA Ratio0.65%
ACL / Loans1.69%

Capital & Liquidity

CET1 Ratio26.39%
Tier 1 Capital26.39%
Total Capital Ratio27.65%
Leverage Ratio15.45%
Loan-to-Deposit97.77%

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