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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

5.70%Q2 ’246.05%Q2 ’256.00%Q2 ’26+3%+6%

Non-interest income vs. expense

2.21%Q2 ’241.91%Q2 ’251.98%Q2 ’26-12%+7%

Executive Summary

  • Earnings: ROA of 1.19%, up 1 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 1.23% of loans (+14 bps YoY), with net charge-offs at 0.12%.
  • 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 (quarter, annualized)

1.19%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+19 bps YoY

Efficiency Ratio (quarter, annualized)

54.39%-47 bps YoY

Tier 1 Leverage Ratio

8.54%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.44%0.73%1.19%1.19%+1 bps
Return on Equity19.54%21.73%9.69%17.10%18.18%-136 bps
Net Interest Margin3.07%3.24%3.14%3.15%3.25%+19 bps
Efficiency Ratio54.86%51.25%60.95%52.53%54.39%-47 bps
Non-Interest Burden1.49%1.48%1.79%1.50%1.59%+10 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 / Loans0.04%0.08%0.76%0.04%0.12%+7 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