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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 $5.2MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $63.2M31%Noninterest $28.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.03%, up 11 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.50% of loans (-37 bps YoY), with net charge-offs at 0.02%.
  • 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.

Return on Assets (YTD, annualized)

1.03%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-28 bps YoY

Efficiency Ratio (YTD, annualized)

67.04%-228 bps YoY

Tier 1 Leverage Ratio

15.55%-234 bps YoY

NIM

5.90%Q2 ’246.42%Q2 ’255.72%Q2 ’26+7%-7%

Non-interest income vs. expense

2.84%Q2 ’243.03%Q2 ’252.70%Q2 ’26+7%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.68%0.87%0.92%0.99%0.90%0.92%1.03%+11 bps
Return on Equity4.24%4.86%6.11%6.46%6.94%6.26%6.25%7.05%+58 bps
Net Interest Margin3.97%3.62%3.63%4.20%3.70%3.79%3.94%3.92%-28 bps
Efficiency Ratio68.55%71.56%71.34%69.33%66.71%68.24%70.50%67.04%-228 bps
Non-Interest Burden2.67%2.46%2.55%2.86%2.42%2.54%2.75%2.59%-27 bps
Growth
Asset Growth (YoY)3.62%0.63%5.83%6.03%9.00%7.36%1.14%7.80%+176 bps
Loan Growth (YoY)8.92%7.86%9.00%8.30%4.77%14.10%15.11%15.52%+721 bps
Deposit Growth (YoY)4.62%2.11%6.85%5.35%8.58%2.47%0.42%5.99%+64 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.01%0.68%0.86%0.85%0.54%0.59%0.50%-37 bps
Net Charge-Offs / Loans0.03%0.03%0.00%0.19%0.12%0.07%0.00%0.02%-17 bps
Allowance / Loans1.89%1.93%1.93%1.71%1.70%1.69%1.67%1.55%-16 bps
Allowance Coverage of NPLs4.5x198.4x2.9x2.0x2.0x3.1x2.8x3.1x+1.1x
Capital
Tier 1 Leverage Ratio16.57%14.83%15.57%17.89%15.71%15.45%15.44%15.55%-234 bps
Total Risk-Based Capital24.43%26.05%25.40%26.89%24.42%27.80%25.65%25.62%-127 bps
Equity / Assets14.21%14.03%14.34%14.43%14.34%14.76%14.74%14.36%-7 bps
Liquidity & Funding
Loans / Deposits89.54%87.81%82.47%89.24%86.40%97.77%94.54%97.26%+802 bps
Liquid Assets / Assets0.73%2.05%1.91%1.93%1.85%1.66%1.64%1.56%-37 bps
CRE / Total Capitaln/an/an/an/a69.28%78.18%84.52%n/an/a