BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Commercial
AR
FDIC cert 15050
Designations: ✓ Community bank
Lonoke, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
First State Bank shows strong momentum with 2 strengths and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$328.6M
+6.1% YoY
+3.0% QoQ
|
+$111.1M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$239.5M
+5.7% YoY
+2.4% QoQ
|
+$100.3M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$292.2M
+4.3% YoY
+2.5% QoQ
|
+$108.6M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.04%
+75.3% YoY
+2.3% QoQ
|
-0.04% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.53%
+20.0% YoY
+2.5% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
58.87%
-19.5% YoY
-2.6% QoQ
|
-8.86% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
81.96%
+1.3% YoY
-0.2% QoQ
|
+7.43% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
13.77%
+4.2% YoY
+3.7% QoQ
|
-8.62% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-4.8% YoY
+28.8% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, 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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Total Loans
Current: $239.5M · Tier avg: $139.2M
80
80th pctile
Total Deposits
Current: $292.2M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $328.6M · Tier avg: $217.5M
70
70th pctile
Efficiency Ratio
Current: 58.87% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
38
38th pctile
Loan-to-Deposit Ratio
Current: 81.96% · Tier avg: 74.53%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.77% · Tier avg: 22.39%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.77% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
38
38th pctile
Loan-to-Deposit Ratio
Current: 81.96% · Tier avg: 74.53%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Efficiency Ratio
Current: 58.87% · Tier avg: 67.73%
77
77th pctile
Total Assets
Current: $328.6M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $292.2M · Tier avg: $183.7M
83
83th pctile
Total Loans
Current: $239.5M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%