What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of C- (score: 70.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank have?

First State Bank has 6 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #15050).

What are the total assets of First State Bank?

First State Bank has total assets of $328.6M as reported in its most recent FDIC filing.

First State Bank

BankLonoke, Arkansas

https://www.firststatebk.com

Total Assets

$328.6M

Total Deposits

$292.2M

Branches

Established

1935

TFS Health Grade

C-

70.1 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Lonoke, Arkansas, established in 1935. With $328.6M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (70.1/100).

Capital & Safety

Tier 1 Capital Ratio

10.73%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

1.04%(1%)

Return on Equity (ROE)

10.69%(10%)

Net Interest Margin

3.53%

Efficiency Ratio

58.87%(60%)

Lending & Liquidity

Total Loans

$242.8M

Loan-to-Deposit Ratio

81.96%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

+6.10%

Deposit Growth (YoY)

+4.33%

Net Income

$3.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First State BankHQ	101 S Center St	Lonoke	AR	11
First State Bank	213 North Court	Carlisle	AR	11
First State Bank	2125 E Joyce Blvd	Fayetteville	AR	11
First State Bank	100 E Main St	Gurdon	AR	11
First State Bank	1450 Southridge Pkwy	Heber Springs	AR	11
First State Bank	110 Nw Front St	Lonoke	AR	23

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.