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First State Bank

Lonoke, AR
IDRSSD: 10849
Total Assets
$319.07M
Latest filing
Total Deposits
$284.99M
Latest filing
Net Interest Margin
3.60%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date03/18/1935
Community BankYes
Ownership TypeNot Mutual
ZIP72086
State and County Number05085
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameLittle Rock-North Little Rock-Conway, AR

Operational Info

Number of Employees47
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance03/18/1935
Primary Insurance AgencyDIF
Websitehttps://www.firststatebk.com
Data Updated11/14/2025
CERT15050
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$319.07M
Total Deposits$284.99M
Total Liabilities$286.64M
Total Equity Capital$32.43M
Net Income$886.00k
Net Loans and Leases$234.00M
Assets Per Employee ($Millions)$6.79M
Bank Premises and Fixed Assets$5.99M
Cash and Balances due from Depository Institutions$3.42M
Deposits Held in Domestic Offices$284.99M

Key Performance Ratios

Return on Assets (ROA)1.12%
Return on Equity (ROE)11.26%
Net Interest Margin3.6%
Efficiency Ratio58.64%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.163%
Earning Assets to total Assets96.04%

Income and Expense

Total Interest Income$4.51M
Total Noninterest Income$158.00k
Total Interest Expense$1.77M
Total Noninterest Expense$1.70M
Net Interest Income$2.74M
Pre-tax Net Operating Income$1.14M
Provision for Credit Losses$60.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$300.00k
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.35M
Total Liabilities and Capital$319.07M

Securities

Securities$70.57M
Available-for-sale debt securities$70.57M
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 State Bank?
$319.07M as of the latest filing.
How much are First State Bank's total deposits?
$284.99M in total deposits.
Where is First State Bank located?
Lonoke, AR.
What is the Net Interest Margin?
3.60%.
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?
$234.00M (latest filing).
What is the total interest income (latest filing)?
$4.51M.