BlastPoint's Banking Scorecard
First Naturalstate Bank
Micro
Specialty: Other
AR
FDIC cert 21379
Designations: ✓ Community bank
Mcgehee, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
First Naturalstate Bank shows strong momentum with 1 strength and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 17.53% above 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 ? |
$102.2M
+7.4% YoY
-3.0% QoQ
|
-$115.3M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$80.5M
+14.4% YoY
+5.5% QoQ
|
-$58.6M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$83.8M
+2.5% YoY
-6.8% QoQ
|
-$99.9M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.90%
+33.5% YoY
-9.1% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.02%
+4.2% YoY
+3.3% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
68.24%
-4.6% YoY
+2.3% QoQ
|
+0.51% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.55%
-36.2% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
96.12%
+11.6% YoY
+13.2% QoQ
|
+21.59% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.83%
-1.9% YoY
-8.9% QoQ
|
+8.44% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.65%
-22.3% QoQ
|
+0.20% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
26.39%
+6.4% YoY
+13.9% QoQ
|
+17.53% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.14%
-69.6% YoY
+35.5% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.39%
(Tier avg: 8.85%, National avg: 9.75%)
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
94
94th pctile
Tier 1 Capital Ratio
Current: 26.39% · Tier avg: 8.85%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.83% · Tier avg: 22.39%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
44
44th pctile
Efficiency Ratio
Current: 68.24% · Tier avg: 67.73%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
34
34th pctile
Total Loans
Current: $80.5M · Tier avg: $139.2M
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
23
23th pctile
Total Assets
Current: $102.2M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.8M · Tier avg: $183.7M
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.12% · Tier avg: 74.53%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.12% · Tier avg: 74.53%
23
23th pctile
Total Deposits
Current: $83.8M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $102.2M · Tier avg: $217.5M
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
34
34th pctile
Total Loans
Current: $80.5M · Tier avg: $139.2M
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
44
44th pctile
Efficiency Ratio
Current: 68.24% · Tier avg: 67.73%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.83% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.39% · Tier avg: 8.85%