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First State Bank of Dequeen

De Queen, AR · Cert 21805 · First State Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$525.1MAssets
$295.9MLoans
$463.6MDeposits
$34.9MEquity
Loan mix
90%RE $251.7M7%C&I $19.1M3%Consumer $7.4MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $426.7M8%Noninterest $36.9MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.80%Q2 ’255.92%Q2 ’26+0%+8%

Non-interest income vs. expense

2.17%Q2 ’241.88%Q2 ’251.89%Q2 ’26-13%+5%

Executive Summary

  • Earnings: ROA of 1.19%, up 7 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.23% of loans (+14 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.54%, up 31 bps from a year ago.
  • Funding: loans stand at 63.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+24 bps YoY

Efficiency Ratio (YTD, annualized)

53.49%-259 bps YoY

Tier 1 Leverage Ratio

8.54%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.24%1.11%1.19%1.19%+7 bps
Return on Equity19.43%19.79%16.94%17.10%17.39%-204 bps
Net Interest Margin2.93%2.90%2.94%3.15%3.18%+24 bps
Efficiency Ratio56.08%54.31%56.04%52.53%53.49%-259 bps
Non-Interest Burden1.46%1.40%1.49%1.50%1.53%+7 bps
Growth
Asset Growth (YoY)24.89%19.17%21.82%20.14%12.89%-1,200 bps
Loan Growth (YoY)16.73%15.88%12.98%10.29%8.39%-833 bps
Deposit Growth (YoY)22.47%20.95%24.65%24.81%14.55%-792 bps
Asset Quality
Nonperforming Loans / Loans1.09%1.28%1.18%1.15%1.23%+14 bps
Net Charge-Offs / Loans0.02%0.04%0.22%0.04%0.08%+6 bps
Allowance / Loans1.41%1.38%1.35%1.36%1.36%-5 bps
Allowance Coverage of NPLs1.3x1.1x1.1x1.2x1.1x-0.2x
Capital
Tier 1 Leverage Ratio8.23%9.21%9.24%8.43%8.54%+31 bps
Total Risk-Based Capital8.23%9.21%9.24%8.43%8.54%+31 bps
Equity / Assets5.71%7.50%7.50%6.48%6.65%+94 bps
Liquidity & Funding
Loans / Deposits67.45%65.21%62.87%61.28%63.83%-363 bps
Liquid Assets / Assets2.07%3.38%4.89%5.63%1.79%-28 bps
CRE / Total Capitaln/a117.21%120.25%128.47%n/an/a