First Naturalstate Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.44 percentage points higher than in Q1 2026, at 312.50%. Within Arkansas, First Naturalstate Bank is 53rd of 78 on return on assets, 1.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Naturalstate Bank sits 0.10 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.36% |
| Tier 1 risk-based capital ratio | 24.36% |
| Total risk-based capital ratio | 25.62% |
| Tier 1 leverage ratio | 15.55% |
| Equity capital to assets | 14.36% |
| Tangible equity to tangible assets | 14.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.59% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | 312.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 7.85% |
| Net interest margin | 4.11% |
| Efficiency ratio | 63.60% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.26% |
| Core deposits to total deposits | 89.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.88% |
| Securities to assets | 12.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.11% | 21.11% | 22.37% | 16.94% | 22.09% |
| Q4 2023 | 22.47% | 22.47% | 23.73% | 16.10% | 0.55% |
| Q1 2024 | 20.12% | 20.12% | 21.37% | 16.13% | 1.08% |
| Q2 2024 | 23.79% | 23.79% | 25.05% | 16.61% | 0.90% |
| Q3 2024 | 23.17% | 23.17% | 24.43% | 16.57% | -0.09% |
| Q4 2024 | 24.79% | 24.79% | 26.05% | 14.83% | 0.93% |
| Q1 2025 | 24.14% | 24.14% | 25.40% | 15.57% | 0.86% |
| Q2 2025 | 25.62% | 25.62% | 26.89% | 17.89% | 1.13% |
| Q3 2025 | 23.16% | 23.16% | 24.42% | 15.71% | 1.16% |
| Q4 2025 | 26.53% | 26.53% | 27.80% | 15.45% | 0.63% |
| Q1 2026 | 24.39% | 24.39% | 25.65% | 15.44% | 0.91% |
| Q2 2026 | 24.36% | 24.36% | 25.62% | 15.55% | 1.16% |
First Naturalstate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Naturalstate Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Naturalstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21379) · FFIEC NIC profile (RSSD 78241)