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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mcgehee, AR · FDIC certificate #21379
FIRST NATURALSTATE BANK is an FDIC-insured institution based in Mcgehee, AR (FDIC certificate #21379). In its Q3 2026 Call Report it reported total assets of $113M, total deposits of $97M and net loans of $91M. Its primary federal regulator is FED.
Plain-language readout
FIRST NATURALSTATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $113M in Q3 2026 and were lowest at $104M in Q1 2026.
Total deposits were highest at $97M in Q3 2026 and lowest at $88M in Q1 2026.
Over the whole period total assets rose 8.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $113M | $97M | $91M | 1.10% | 7.62% | 4.26% |
| Q2 2026 | $109M | $91M | $87M | 1.03% | 7.05% | 4.13% |
| Q1 2026 | $104M | $88M | $82M | 0.92% | 6.25% | 4.18% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.3M | $3.5M | +$742K | +21.1% |
| Federal funds sold | $0K | $1.0M | -$1.0M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $13.8M | $14.2M | -$421K | -3.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $87.4M | $81.7M | +$5.7M | +7.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.5M | $1.4M | +$43K | +3.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.9M | $1.7M | +$200K | +11.7% |
| Total assets | $108.8M | $103.5M | +$5.3M | +5.1% |
| Liabilities | ||||
| Total deposits | $91.3M | $87.8M | +$3.4M | +3.9% |
| Federal funds purchased | $1.6M | $0K | +$1.6M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $294K | $424K | -$130K | -30.7% |
| Total liabilities | $93.2M | $88.3M | +$4.9M | +5.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $340K | $340K | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $14.0M | $13.7M | +$303K | +2.2% |
| Accumulated other comprehensive income | -$681K | -$750K | +$69K | +9.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.6M | $15.3M | +$372K | +2.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $440K | $486K | -$46K | -9.5% |
| Adjusted nonperforming assets | $440K | $486K | -$46K | -9.5% |
| Tangible equity plus allowance | $17.0M | $16.6M | +$364K | +2.2% |
| Texas ratio (gross) | 2.59% | 2.92% | -0.33 pts | See points |
| Texas ratio (adjusted) | 2.59% | 2.92% | -0.33 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.59% | 2.92% | -0.33 pts | See points |
| Tier 1 capital to risk-weighted assets | 24.36% | 24.39% | -0.03 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 24.36% | 24.39% | -0.03 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 25.62% | 25.65% | -0.03 pts | See points |
| Tier 1 leverage (approximate) | 15.55% | 15.44% | +0.11 pts | See points |
| Construction and land loans to total capital | 33.48% | 33.57% | -0.08 pts | See points |
| Commercial real estate to total capital | 52.25% | 53.17% | -0.92 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.65% | -6.32% | +0.67 pts | See points |
| Liquidity | ||||
| Core deposits | $81.4M | $78.1M | +$3.3M | +4.3% |
| Non-core funding | $11.5M | $9.8M | +$1.7M | +17.5% |
| Loans to core deposits | 109.04% | 106.38% | +2.66 pts | See points |
| Loans to deposits | 97.26% | 94.54% | +2.72 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 39.31% | 37.72% | +1.60 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $11.5M | $9.8M | +$1.7M | +17.5% |
| Earnings | ||||
| Earnings before provision, year to date | $697K | $310K | +$387K | +124.8% |
| Earnings before provision, single quarter | $387K | $310K | +$77K | +24.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.80% | 6.57% | +0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 1.87% | 1.87% | -0.00 pts | See points |
| Total interest income to average assets | 5.83% | 5.68% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.33% | 0.67% | -0.34 pts | See points |
| Cost of savings and money market deposits | 1.74% | 1.75% | -0.01 pts | See points |
| Cost of time deposits | 4.37% | 4.10% | +0.27 pts | See points |
| Total interest expense to average assets | 1.88% | 1.74% | +0.14 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $113M | $97M | $91M | 1.10% | 7.62% | 4.26% |
| 2026-06-30 | $109M | $91M | $87M | 1.03% | 7.05% | 4.13% |
| 2026-03-31 | $104M | $88M | $82M | 0.92% | 6.25% | 4.18% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $86.1M | 0.08% | 90 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.