First Naturalstate Bank
McGehee, AR · Cert 21379 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First National Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
$108.8MAssets
$88.8MLoans
$91.3MDeposits
$15.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 91% of banks under $1B in assets operating in a single state (rank 70 of 746).
- Widest gap: return on equity trails 73% of banks under $1B in assets operating in a single state (rank 546 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.99%
Rank 410 of 746
Net Interest Margin
3.92%
Rank 282 of 746
Efficiency Ratio
67.04%
Rank 421 of 746
Equity / Assets
14.36%
Rank 120 of 746
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 44% 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 | 0.99% | 0.72% | 1.06% | 1.45% | Beats 45% | 410 / 746 | | |
| Return on Equity | 6.91% | 6.74% | 10.51% | 13.63% | Beats 27% | 546 / 746 | | |
| Net Interest Margin | 3.92% | 3.17% | 3.68% | 4.16% | Beats 62% | 282 / 746 | | |
| Efficiency Ratio | 67.04% | 55.74% | 64.58% | 75.47% | Beats 44% | 421 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.09% | 0.42% | 1.07% | Beats 46% | 405 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 52% | 360 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 24.36% | 11.55% | 13.75% | 17.60% | Beats 90% | 72 / 746 | | |
| Total Risk-Based Capital Ratio | 25.62% | 11.71% | 14.33% | 18.43% | Beats 91% | 70 / 746 | | |
| Equity / Assets | 14.36% | 8.90% | 10.51% | 13.06% | Beats 84% | 120 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.26% | 61.31% | 78.27% | 90.78% | 87th pctl | 95 / 746 | | |
| Loans / Assets | 81.58% | 53.60% | 66.97% | 76.08% | 89th pctl | 84 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |