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First Naturalstate Bank
Mcgehee, AR · FDIC Certificate #21379 · Chartered 01/0
Total assets
$108.82M
Total deposits
$91.27M
Total equity
$15.63M
Net loans
$87.40M
Branches (offices)
3
Net income (YTD)
$540.00K
Rank: #3,614 of 4,213 U.S. banks by assets · #73 of 78 in Arkansas. Assets changed 7.8% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 7.05% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 14.36% |
| Tier 1 leverage ratio | 15.55% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $63.21M | 72.3% | |
| Commercial & industrial | $11.05M | 12.6% | |
| Consumer / individual | $5.79M | 6.6% | |
| Construction & development | $5.74M | 6.6% | |
| Agricultural | $8.31M | 9.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $86.91M | $78.75M | $715.00K | $7.88M |
| Jun 2023 | $87.19M | $75.22M | $383.00K | $8.22M |
| Jun 2024 | $95.20M | $81.74M | $442.00K | $13.29M |
| Jun 2025 | $100.94M | $86.11M | $459.00K | $14.57M |
| Jun 2026 | $108.82M | $91.27M | $540.00K | $15.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $91.27M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $91.27M.
Similar-sized banks
The First State Bank Of Healy ($108.82M) · Citizens National Bank ($108.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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