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First Naturalstate Bank

McGehee, AR · Cert 21379 · First National Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$108.8MAssets
$88.8MLoans
$91.3MDeposits
$15.6MEquity
Loan mix
80%RE $62.1M14%C&I $10.8M7%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $63.2M31%Noninterest $28.0MQ2 2025Q2 2026

NIM

5.99%Q2 ’246.50%Q2 ’255.83%Q2 ’26+8%-7%

Non-interest income vs. expense

2.98%Q2 ’242.98%Q2 ’252.58%Q2 ’26-1%-12%

Executive Summary

  • Earnings: ROA of 1.14%, up 18 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.50% of loans (-37 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 15.55%, down 234 bps from a year ago.
  • Funding: loans stand at 97.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.14%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.94%-30 bps YoY

Efficiency Ratio (quarter, annualized)

63.63%-373 bps YoY

Tier 1 Leverage Ratio

15.55%-234 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.13%0.62%0.92%1.14%+18 bps
Return on Equity6.70%7.87%4.26%6.25%7.85%+115 bps
Net Interest Margin4.24%3.85%4.18%3.94%3.94%-30 bps
Efficiency Ratio67.36%61.77%72.27%70.50%63.63%-373 bps
Non-Interest Burden2.80%2.33%2.98%2.75%2.47%-33 bps
Growth
Asset Growth (YoY)6.03%9.00%7.36%1.14%7.80%+176 bps
Loan Growth (YoY)8.30%4.77%14.10%15.11%15.52%+721 bps
Deposit Growth (YoY)5.35%8.58%2.47%0.42%5.99%+64 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.85%0.54%0.59%0.50%-37 bps
Net Charge-Offs / Loans0.37%0.00%-0.08%0.00%0.04%-34 bps
Allowance / Loans1.71%1.70%1.69%1.67%1.55%-16 bps
Allowance Coverage of NPLs2.0x2.0x3.1x2.8x3.1x+1.1x
Capital
Tier 1 Leverage Ratio17.89%15.71%15.45%15.44%15.55%-234 bps
Total Risk-Based Capital26.89%24.42%27.80%25.65%25.62%-127 bps
Equity / Assets14.43%14.34%14.76%14.74%14.36%-7 bps
Liquidity & Funding
Loans / Deposits89.24%86.40%97.77%94.54%97.26%+802 bps
Liquid Assets / Assets1.93%1.85%1.66%1.64%1.56%-37 bps
CRE / Total Capitaln/a69.28%78.18%84.52%n/an/a