First Naturalstate Bank
Mcgehee, AR
IDRSSD: 78241
Total Assets
$102.24M
Latest filing
Total Deposits
$83.79M
Latest filing
Net Interest Margin
4.32%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
082901376MCGEHEE, AR
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First Naturalstate Bank
500 N 2nd St
Mcgehee, AR 71654
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1974FDIC Certificate 14790
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Naturalstate Bank (Main) | 500 N 2nd St | Mcgehee, AR |
| MCGEHEE BRANCH | 703 Ushwy 65 N. | Mcgehee, AR |
| DUMAS BRANCH | 703 Meador Dr | Dumas, AR |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Producers Bank & Trust
Mcgehee, Arkansas
→
Assets: $196.17MΔ +86.2%
Logan County Bank
Scranton, Arkansas
→
Assets: $119.14MΔ +13.1%
Connect Bank
Star City, Arkansas
→
Assets: $122.83MΔ +16.6%
Bank of Lake Village
Lake Village, Arkansas
→
Assets: $83.91MΔ -20.4%
COMMUNITY STATE BANK
Bradley, Arkansas
→
Assets: $78.80MΔ -25.2%
Riverside Bank
Sparkman, Arkansas
→
Assets: $72.50MΔ -31.2%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/02/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71654 |
| State and County Number | 05041 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/02/1974 |
| Primary Insurance Agency | DIF |
| Website | www.fnsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 21379 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $102.24M |
| Total Deposits | $83.79M |
| Total Liabilities | $87.15M |
| Total Equity Capital | $15.09M |
| Net Income | $161.00k |
| Net Loans and Leases | $80.54M |
| Assets Per Employee ($Millions) | $5.11M |
| Bank Premises and Fixed Assets | $1.15M |
| Cash and Balances due from Depository Institutions | $3.90M |
| Deposits Held in Domestic Offices | $83.79M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 4.26% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 72.27% |
| Tier 1 Risk-Based Capital Ratio | 26.387% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.759% |
| Earning Assets to total Assets | 94.98% |
Income and Expense
| Total Interest Income | $1.55M |
| Total Noninterest Income | $34.00k |
| Total Interest Expense | $481.00k |
| Total Noninterest Expense | $795.00k |
| Net Interest Income | $1.07M |
| Pre-tax Net Operating Income | $256.00k |
| Provision for Credit Losses | $49.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $219.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.98M |
| All Other Liabilities | $382.00k |
| Total Liabilities and Capital | $102.24M |
Securities
| Securities | $14.87M |
| Available-for-sale debt securities | $14.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Naturalstate Bank?
$102.24M as of the latest filing.
How much are First Naturalstate Bank's total deposits?
$83.79M in total deposits.
Where is First Naturalstate Bank located?
Mcgehee, AR.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
3.
When was it established?
01/02/1974.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$80.54M (latest filing).
What is the total interest income (latest filing)?
$1.55M.