Russellville, AR · Cert 13632 · First State Banking Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 0.2% share · #36 of 42 inst. · $0.0B of $20.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.35% | 1.26% | 1.14% | 1.34% | 1.47% | 0.32% | 0.92% | -22 bps | |
| Return on Equity | 11.34% | 13.63% | 12.85% | 11.30% | 12.84% | 13.71% | 2.94% | 6.68% | -462 bps | |
| Net Interest Margin | 3.19% | 3.21% | 3.15% | 3.28% | 3.50% | 3.57% | 3.55% | 0.06% | -322 bps | |
| Efficiency Ratio | 53.40% | 52.92% | 51.57% | 54.54% | 54.47% | 56.45% | 86.92% | -1270% | -132,454 bps | |
| Non-Interest Burden | 1.53% | 1.51% | 1.37% | 1.64% | 1.75% | 1.77% | 3.04% | -1.04% | -267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.22% | 12.77% | 14.07% | 10.32% | 8.33% | 3.05% | 2.54% | 11.22% | +90 bps | |
| Loan Growth (YoY) | 12.08% | 14.33% | 7.01% | 4.47% | 7.10% | 6.94% | 11.22% | 12.68% | +821 bps | |
| Deposit Growth (YoY) | 10.50% | 13.68% | 13.96% | 11.11% | 8.83% | 2.37% | 2.12% | 3.64% | -748 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.34% | 1.38% | 1.30% | 1.29% | 1.26% | 1.13% | -26 bps | |
| Allowance Coverage of NPLs | 71.2x | 76.5x | 82.2x | n/a | n/a | n/a | 97.3x | 25.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.02% | 10.71% | 10.91% | 11.04% | 11.13% | 11.18% | 11.40% | 11.42% | +38 bps | |
| Total Risk-Based Capital | 15.78% | 15.77% | 16.47% | 16.46% | 16.07% | 16.37% | 16.23% | 16.26% | -20 bps | |
| Equity / Assets | 10.18% | 9.57% | 10.00% | 10.22% | 10.63% | 10.86% | 10.91% | 16.35% | +613 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.25% | 77.47% | 76.78% | 77.35% | 80.95% | 80.93% | 83.62% | 84.10% | +675 bps | |
| Liquid Assets / Assets | 5.64% | 10.09% | 11.02% | 9.06% | 6.36% | 7.59% | 7.21% | 6.57% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 336% | 328% | 334% | n/a | n/a | |