First State Bank
Lonoke, AR
IDRSSD: 10849
Total Assets
$328.57M
Latest filing
Total Deposits
$292.24M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
101 S Center St
Lonoke, AR 72086
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/18/1935FDIC Certificate 9437
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 101 S Center St | Lonoke, AR |
| LONOKE BRANCH | 110 Nw Front St | Lonoke, AR |
| CARLISLE BRANCH | 213 North Court | Carlisle, AR |
| GURDON BRANCH | 100 E Main St | Gurdon, AR |
| JOYCE BOULEVARD BRANCH | 2125 E Joyce Blvd | Fayetteville, AR |
| HEBER SPRINGS BRANCH | 1450 Southridge Pkwy | Heber Springs, AR |
Showing 5 of 5
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/18/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72086 |
| State and County Number | 05085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Little Rock-North Little Rock-Conway, AR |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 6 |
| 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 | 03/18/1935 |
| Primary Insurance Agency | DIF |
| Website | https://www.firststatebk.com |
| Data Updated | 01/30/2026 |
| CERT | 15050 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $328.57M |
| Total Deposits | $292.24M |
| Total Liabilities | $295.55M |
| Total Equity Capital | $33.02M |
| Net Income | $903.00k |
| Net Loans and Leases | $239.52M |
| Assets Per Employee ($Millions) | $6.99M |
| Bank Premises and Fixed Assets | $6.02M |
| Cash and Balances due from Depository Institutions | $6.18M |
| Deposits Held in Domestic Offices | $292.24M |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 11.04% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 54.65% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.051% |
| Earning Assets to total Assets | 96.01% |
Income and Expense
| Total Interest Income | $4.71M |
| Total Noninterest Income | $154.00k |
| Total Interest Expense | $1.76M |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $2.96M |
| Pre-tax Net Operating Income | $1.15M |
| Provision for Credit Losses | $260.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.31M |
| Total Liabilities and Capital | $328.57M |
Securities
| Securities | $71.45M |
| Available-for-sale debt securities | $71.45M |
| 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 State Bank?
$328.57M as of the latest filing.
How much are First State Bank's total deposits?
$292.24M in total deposits.
Where is First State Bank located?
Lonoke, AR.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
6.
When was it established?
03/18/1935.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$239.52M (latest filing).
What is the total interest income (latest filing)?
$4.71M.