First Naturalstate Bank
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Data as of · sourced from FFIEC call reports. How we update
First Naturalstate Bank is an FDIC-insured commercial bank headquartered in McGehee, AR, established in 1974 (FDIC certificate 21379), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $108.8M, up 7.8% from Q2 2025, the 73rd largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 24.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 21379
- Headquarters
- McGehee, AR
- Established
- 1974
- Total assets, Q2 2026
- $108.8M
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 24.36%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082901376
- Latest call report
- Q2 2026, FFIEC 051 · First Naturalstate Bank call report
- Holding company
- FIRST NATIONAL FINANCIAL CORPORATION
- Asset rank in state
- 73rd of 78 in Arkansas
First Naturalstate Bank carries far more capital than most banks of its size. Its balance sheet stood at $109 million at June 30, 2026, up 7.8% from a year earlier; it is based in Mcgehee, Arkansas. It funds 15.55% of its assets with Tier 1 capital, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 15.5% over the year, about triple the median of 5.5% for banks its size.
Net income for the quarter rose 24% from a year earlier, to $303,000. Over the same year, loans grew 15.5% and deposits grew 6.0%. Profitability lags: it returns 7.8% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, First Naturalstate Bank reported a CET1 capital ratio of 24.36%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 2.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Naturalstate Bank is the 73rd largest of the 78 banks headquartered in Arkansas. Between Q1 2026 and Q2 2026, its total assets rose 5.1% to $108.8M, loans rose 6.9% and deposits rose 3.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.3% of total loans, followed by farmland and other real estate loans at 13.3%. The FDIC Summary of Deposits lists 3 offices for it, in Mcgehee, AR and Dumas, AR; its Mcgehee 2 offices book 89% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Naturalstate Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 N 2nd St, McGehee, AR 71654
- County
- Desha
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 2, 1974
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $91.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $104.9M
- Average total loans
- $82.8M
- Average interest-bearing deposits
- $60.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1974
- FDIC Cert
- 21379
- Fed RSSD
- 78241
- Website
- www.fnsbank.com →
- Parent Holding Company
- FIRST NATIONAL FINANCIAL CORPORATION (RSSD 3386880)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Naturalstate Bank's total assets ran between $93.3M (Q3 2023) and $108.8M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$108.8M total assets against $100.9M; $93.2M total liabilities against $86.4M.
$87.4M net loans and leases against $75.5M; $91.3M total deposits against $86.1M.
$13.8M securities against $15.6M; $4.3M cash and balances due against $7.4M.
$1.5M total interest income against $1.4M; $494K total interest expense against $492K.
$1.0M net interest income against $923K.
$30K total noninterest income against $39K; $677K total noninterest expense against $648K.
$0 provision for credit losses against $0.
$303K net income against $245K.
1.16% return on assets against 1.13%; 4.11% net interest margin against 4.24%.
24.36% CET1 capital ratio against 25.62%; 15.55% tier 1 leverage ratio against 17.89%.
Inside the full First Naturalstate Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Naturalstate Bank rankings
Its closest position to the top of a national ranking is 172 of 2,134, for CET1 ratio; its furthest is 3,601 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.09% (Q3 2024) to 1.16% (Q3 2025) and its net interest margin ran from 3.81% (Q4 2024) to 4.38% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.36% | 1.16% | 0.50% | 2.59% | 4.11% |
| Q1 2026 | 24.39% | 0.91% | 0.59% | 2.92% | 4.12% |
| Q4 2025 | 26.53% | 0.63% | 0.54% | 4.04% | 4.38% |
| Q3 2025 | 23.16% | 1.16% | 0.85% | 5.37% | 4.01% |
| Q2 2025 | 25.62% | 1.13% | 0.86% | 4.18% | 4.24% |
| Q1 2025 | 24.14% | 0.86% | 0.68% | 3.03% | 3.89% |
| Q4 2024 | 24.79% | 0.93% | 0.01% | 0.05% | 3.81% |
| Q3 2024 | 23.17% | -0.09% | 0.42% | 2.08% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Naturalstate Bank (main office) | Mcgehee , AR | 71654 | $60.6M |
| Mcgehee Branch | Mcgehee , AR | 71654 | $20.2M |
| Dumas Branch | Dumas , AR | 71639 | $10.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AR, rank 93 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $91K approved, $91K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Naturalstate Bank
What are First Naturalstate Bank's total assets?
As of the Q2 2026 filing, First Naturalstate Bank reported total assets of $108.8 million in its FFIEC call report.
Where is First Naturalstate Bank headquartered?
It is headquartered in McGehee, AR, United States.
When was First Naturalstate Bank founded?
It was established in 1974, per the FDIC institution directory.
Is First Naturalstate Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Naturalstate Bank?
First Naturalstate Bank's primary federal regulator is the Federal Reserve.
What is First Naturalstate Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Naturalstate Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Naturalstate Bank's Texas Ratio?
Its Texas Ratio is 2.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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