First State Bank
Lonoke, AR · Cert 15050 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lonoke Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$328.1MAssets
$240.3MLoans
$292.6MDeposits
$34.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets operating in a single state (rank 596 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.12%
Rank 342 of 746
Net Interest Margin
3.58%
Rank 411 of 746
Efficiency Ratio
58.54%
Rank 253 of 746
Equity / Assets
10.47%
Rank 377 of 746
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 66% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 54% | 342 / 746 | | |
| Return on Equity | 10.67% | 6.74% | 10.51% | 13.63% | Beats 51% | 362 / 746 | | |
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 45% | 411 / 746 | | |
| Efficiency Ratio | 58.54% | 55.74% | 64.58% | 75.47% | Beats 66% | 253 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 201 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.24% | 11.55% | 13.75% | 17.60% | Beats 22% | 585 / 746 | | |
| Total Risk-Based Capital Ratio | 11.24% | 11.71% | 14.33% | 18.43% | Beats 20% | 596 / 746 | | |
| Equity / Assets | 10.47% | 8.90% | 10.51% | 13.06% | Beats 49% | 377 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.13% | 61.31% | 78.27% | 90.78% | 58th pctl | 313 / 746 | | |
| Loans / Assets | 73.23% | 53.60% | 66.97% | 76.08% | 67th pctl | 245 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |