BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
AR
FDIC cert 13632
Russellville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$613.7M
+3.1% YoY
+1.2% QoQ
|
-$777.8M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$431.2M
+6.9% YoY
+0.9% QoQ
|
-$544.3M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$539.8M
+2.4% YoY
+0.9% QoQ
|
-$624.8M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.30%
+16.2% YoY
+4.6% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.62%
+7.3% YoY
+2.5% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
54.36%
-1.4% YoY
+1.5% QoQ
|
-8.28% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
79.88%
+4.4% YoY
-0.0% QoQ
|
-3.18% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
21.51%
-7.1% YoY
-8.4% QoQ
|
+0.47% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.12%
+4.1% YoY
+2.0% QoQ
|
+4.87% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.44%
+24.2% YoY
+46.5% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.12% · Tier avg: 10.24%
74
74th pctile
Efficiency Ratio
Current: 54.36% · Tier avg: 62.63%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.88% · Tier avg: 83.06%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.51% · Tier avg: 21.05%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
19
19th pctile
Total Deposits
Current: $539.8M · Tier avg: $1.2B
19
19th pctile
Total Loans
Current: $431.2M · Tier avg: $975.5M
16
16th pctile
Total Assets
Current: $613.7M · Tier avg: $1.4B
Top Weaknesses
16
16th pctile
Total Assets
Current: $613.7M · Tier avg: $1.4B
19
19th pctile
Total Loans
Current: $431.2M · Tier avg: $975.5M
19
19th pctile
Total Deposits
Current: $539.8M · Tier avg: $1.2B
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.51% · Tier avg: 21.05%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.88% · Tier avg: 83.06%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.36% · Tier avg: 62.63%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.12% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%