First Naturalstate Bank
Mcgehee, AR
IDRSSD: 78241
Total Assets
$105.36M
Latest filing
Total Deposits
$89.91M
Latest filing
Net Interest Margin
3.96%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 11/14/2025 |
| CERT | 21379 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $105.36M |
| Total Deposits | $89.91M |
| Total Liabilities | $90.25M |
| Total Equity Capital | $15.11M |
| Net Income | $292.00k |
| Net Loans and Leases | $76.36M |
| Assets Per Employee ($Millions) | $5.27M |
| Bank Premises and Fixed Assets | $892.00k |
| Cash and Balances due from Depository Institutions | $4.20M |
| Deposits Held in Domestic Offices | $89.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 7.87% |
| Net Interest Margin | 3.96% |
| Efficiency Ratio | 61.77% |
| Tier 1 Risk-Based Capital Ratio | 23.162% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.343% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $1.47M |
| Total Noninterest Income | $34.00k |
| Total Interest Expense | $493.00k |
| Total Noninterest Expense | $622.00k |
| Net Interest Income | $973.00k |
| Pre-tax Net Operating Income | $385.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $219.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.47M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $347.00k |
| Total Liabilities and Capital | $105.36M |
Securities
| Securities | $15.42M |
| Available-for-sale debt securities | $15.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$105.36M as of the latest filing.
How much are First Naturalstate Bank's total deposits?
$89.91M in total deposits.
Where is First Naturalstate Bank located?
Mcgehee, AR.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
3.
When was it established?
01/02/1974.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$76.36M (latest filing).
What is the total interest income (latest filing)?
$1.47M.