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First State Bank
Lonoke, AR · FDIC Certificate #15050 · Chartered 03/1
Total assets
$328.12M
Total deposits
$292.55M
Total equity
$34.34M
Net loans
$236.70M
Branches (offices)
6
Net income (YTD)
$1.83M
Rank: #2,347 of 4,213 U.S. banks by assets · #48 of 78 in Arkansas. Assets changed 4.1% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 10.93% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 10.47% |
| Tier 1 leverage ratio | 11.24% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 86.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $204.18M | 86.3% | |
| Commercial & industrial | $20.06M | 8.5% | |
| Consumer / individual | $1.40M | 0.6% | |
| Construction & development | $16.79M | 7.1% | |
| Agricultural | $12.72M | 5.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $289.58M | $261.48M | $1.60M | $25.66M |
| Jun 2023 | $293.15M | $266.39M | $1.38M | $26.26M |
| Jun 2024 | $287.98M | $259.15M | $664.00K | $27.88M |
| Jun 2025 | $315.23M | $283.49M | $1.50M | $30.52M |
| Jun 2026 | $328.12M | $292.55M | $1.83M | $34.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $292.55M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $292.55M.
Similar-sized banks
First State Bank Of Forrest ($328.26M) · State Bank Of Newburg ($328.08M)
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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