First State Bank (Lonoke, AR)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Lonoke, AR, established in 1935 (FDIC certificate 15050), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $328.1M, up 4.1% from Q2 2025, the 48th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15050
- Headquarters
- Lonoke, AR
- Established
- 1935
- Total assets, Q2 2026
- $328.1M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 11.24%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 082902003
- Holding company
- LONOKE BANCSHARES, INC.
- Asset rank in state
- 48th of 78 in Arkansas
First State Bank, based in Lonoke, Arkansas, reported $328 million in assets at June 30, 2026, up 4.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it pays an average of 2.33% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First State Bank reported a return on assets of 1.16%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First State Bank ranks as the 48th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $328.1M, loans rose 0.2% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.2% of total loans, ahead of owner-occupied commercial real estate loans at 16.8%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in AR; its Lonoke 2 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Center St, Lonoke, AR 72086
- County
- Lonoke
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 18, 1935
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $292.6M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $331.2M
- Average total loans
- $238.7M
- Average interest-bearing deposits
- $257.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 18, 1935
- FDIC Cert
- 15050
- Fed RSSD
- 10849
- SEC CIK
- 1535206 → filed by LONOKE BANCSHARES, INC.
- Website
- https://www.firststatebk.com →
- Parent Holding Company
- LONOKE BANCSHARES, INC. (RSSD 1491614)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank's total assets ranged from $281.3M (Q1 2024) to $328.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$328.1M total assets against $315.2M; $293.8M total liabilities against $284.7M.
$236.7M net loans and leases against $230.6M; $292.6M total deposits against $283.5M.
$74.0M securities against $67.2M; $5.8M cash and balances due against $6.1M.
$4.8M total interest income against $4.4M; $1.7M total interest expense against $1.8M.
$3.0M net interest income against $2.6M.
$160K total noninterest income against $164K; $1.8M total noninterest expense against $1.6M.
$120K provision for credit losses against $60K.
$960K net income against $885K.
1.16% return on assets against 1.11%; 3.75% net interest margin against 3.40%.
11.24% tier 1 leverage ratio against 10.73%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank rankings
Its closest position to the top of a national ranking is 1,481 of 3,606, for efficiency ratio; its furthest is 3,455 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q3 2024) to 1.16% (Q2 2026) and its net interest margin ran from 2.81% (Q3 2024) to 3.75% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.24% | 1.16% | 0.00% | 0.00% | 3.75% |
| Q1 2026 | 10.83% | 1.04% | 0.00% | 0.00% | 3.53% |
| Q4 2025 | 10.73% | 1.10% | 0.00% | 0.00% | 3.68% |
| Q3 2025 | 10.99% | 1.11% | 0.00% | 0.00% | 3.52% |
| Q2 2025 | 10.73% | 1.11% | 0.00% | 0.00% | 3.40% |
| Q1 2025 | 10.83% | 0.81% | 0.00% | 0.00% | 3.14% |
| Q4 2024 | 10.46% | 0.85% | 0.00% | 0.00% | 3.08% |
| Q3 2024 | 10.80% | 0.57% | 0.00% | 0.00% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 State Bank (main office) | Lonoke , AR | 72086 | $150.9M |
| Joyce Boulevard Branch | Fayetteville , AR | 72703 | $43.3M |
| Heber Springs Branch | Heber Springs , AR | 72543 | $42.6M |
| Gurdon Branch | Gurdon , AR | 71743 | $37.5M |
| Carlisle Branch | Carlisle , AR | 72024 | $18.2M |
| Lonoke Branch | Lonoke , AR | 72086 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 29, 2000 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in AR, rank 58 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 69 applications, 64 loans originated, $38.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $218K approved, $218K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $328.1 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Lonoke, AR, United States.
When was First State Bank founded?
It was established in 1935, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15050). 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?
First State Bank's primary federal regulator is the FDIC.
How many branches does First State Bank operate?
It operates 6 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's Texas Ratio?
Its Texas Ratio is 0.00% 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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