First State Bank
Russellville, AR · Cert 13632 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First State Banking Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
$665.4MAssets
$460.1MLoans
$547.0MDeposits
$108.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating in a single state (rank 72 of 746).
- Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 734 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.59%
Rank 613 of 746
Net Interest Margin
1.79%
Rank 734 of 746
Efficiency Ratio
57.59%
Rank 234 of 746
Equity / Assets
16.35%
Rank 72 of 746
Non-interest income vs. expense
Unfavorable gap of $6.0M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.72% | 1.06% | 1.45% | Beats 18% | 613 / 746 | |
| Return on Equity | 3.60% | 6.74% | 10.51% | 13.63% | Beats 13% | 651 / 746 | |
| Net Interest Margin | 1.79% | 3.17% | 3.68% | 4.16% | Beats 2% | 734 / 746 | |
| Efficiency Ratio | 57.59% | 55.74% | 64.58% | 75.47% | Beats 69% | 234 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 78% | 161 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.08% | 11.55% | 13.75% | 17.60% | Beats 62% | 284 / 746 | |
| Total Risk-Based Capital Ratio | 16.26% | 11.71% | 14.33% | 18.43% | Beats 65% | 260 / 746 | |
| Equity / Assets | 16.35% | 8.90% | 10.51% | 13.06% | Beats 90% | 72 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 84.10% | 61.31% | 78.27% | 90.78% | 63rd pctl | 276 / 746 | |
| Loans / Assets | 69.14% | 53.60% | 66.97% | 76.08% | 55th pctl | 332 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |