First State 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 Deposits to assets: 5.54 percentage points lower than in Q1 2026, at 82.22%. First State Bank ranks 66th of 78 Arkansas banks on return on assets, in the lower half at 0.89% (Q2 2026). First State Bank reported 0.89% on return on assets for Q2 2026, 0.37 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.08% |
| Tier 1 risk-based capital ratio | 15.08% |
| Total risk-based capital ratio | 16.26% |
| Tier 1 leverage ratio | 11.42% |
| Equity capital to assets | 16.35% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.29% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 2516.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 6.68% |
| Net interest margin | 3.73% |
| Efficiency ratio | -1169.43% |
| Yield on earning assets | 5.85% |
| Cost of funds | 0.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.10% |
| Core deposits to total deposits | 80.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.22% |
| Securities to assets | 13.76% |
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 | 14.48% | 14.48% | 15.70% | 11.29% | 1.07% |
| Q4 2023 | 15.07% | 15.07% | 16.26% | 11.17% | 1.20% |
| Q1 2024 | 14.85% | 14.85% | 16.04% | 11.43% | 1.04% |
| Q2 2024 | 14.57% | 14.57% | 15.75% | 11.48% | 0.99% |
| Q3 2024 | 14.53% | 14.53% | 15.78% | 11.02% | 1.12% |
| Q4 2024 | 14.52% | 14.52% | 15.77% | 10.71% | 1.32% |
| Q1 2025 | 15.22% | 15.22% | 16.47% | 10.91% | 1.26% |
| Q2 2025 | 15.20% | 15.20% | 16.46% | 11.04% | 1.14% |
| Q3 2025 | 14.81% | 14.81% | 16.07% | 11.13% | 1.32% |
| Q4 2025 | 15.12% | 15.12% | 16.37% | 11.18% | 1.44% |
| Q1 2026 | 14.98% | 14.98% | 16.23% | 11.40% | 0.32% |
| Q2 2026 | 15.08% | 15.08% | 16.26% | 11.42% | 0.89% |
First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13632) · FFIEC NIC profile (RSSD 114840)