De Queen, AR · Cert 21805 · First State Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.92% | 1.07% | 1.18% | 1.44% | 0.73% | 1.19% | 1.19% | +1 bps | |
| Return on Equity | 14.16% | 16.16% | 18.39% | 19.54% | 21.73% | 9.69% | 17.10% | 18.18% | -136 bps | |
| Net Interest Margin | 2.79% | 2.88% | 2.97% | 3.07% | 3.24% | 3.14% | 3.15% | 3.25% | +19 bps | |
| Efficiency Ratio | 63.52% | 59.31% | 57.41% | 54.86% | 51.25% | 60.95% | 52.53% | 54.39% | -47 bps | |
| Non-Interest Burden | 1.59% | 1.52% | 1.52% | 1.49% | 1.48% | 1.79% | 1.50% | 1.59% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.24% | 26.35% | 23.50% | 24.89% | 19.17% | 21.82% | 20.14% | 12.89% | -1,200 bps | |
| Loan Growth (YoY) | 5.71% | 10.69% | 11.97% | 16.73% | 15.88% | 12.98% | 10.29% | 8.39% | -833 bps | |
| Deposit Growth (YoY) | 29.62% | 27.80% | 22.06% | 22.47% | 20.95% | 24.65% | 24.81% | 14.55% | -792 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.99% | 1.39% | 1.16% | 1.09% | 1.28% | 1.18% | 1.15% | 1.23% | +14 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.12% | -0.01% | 0.04% | 0.08% | 0.76% | 0.04% | 0.12% | +7 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.44% | 1.41% | 1.38% | 1.35% | 1.36% | 1.36% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.0x | 1.2x | 1.3x | 1.1x | 1.1x | 1.2x | 1.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 8.23% | 9.07% | 8.23% | 9.21% | 9.24% | 8.43% | 8.54% | +31 bps | |
| Total Risk-Based Capital | 8.74% | 8.23% | 9.07% | 8.23% | 9.21% | 9.24% | 8.43% | 8.54% | +31 bps | |
| Equity / Assets | 6.14% | 5.23% | 6.43% | 5.71% | 7.50% | 7.50% | 6.48% | 6.65% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.06% | 69.37% | 69.34% | 67.45% | 65.21% | 62.87% | 61.28% | 63.83% | -363 bps | |
| Liquid Assets / Assets | 4.45% | 3.12% | 3.48% | 2.07% | 3.38% | 4.89% | 5.63% | 1.79% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 117.21% | 120.25% | 128.47% | n/a | n/a | |