First Naturalstate Bank: how it compares with its peers
Against 15 AR banks with half to twice its assets, First Naturalstate Bank's strongest measure in Q2 2026 is efficiency ratio (67.04% vs. a 65.94% peer median). Its weakest relative measure is net interest margin (4.13% vs. 4.32%).
| Measure | First Naturalstate Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.25% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 4.32% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.04% | 65.94% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.5M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.76% | 89.03% | Context |
What it means for lending operations
Its efficiency ratio of 67.04% is above the 65.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Logan County Bank Scranton, AR · $121M
- Connect Bank Star City, AR · $124M
- Bank of Lake Village Lake Village, AR · $91M
- COMMUNITY STATE BANK Bradley, AR · $90M
- Riverside Bank Sparkman, AR · $74M
- Warren Bank and Trust Company Warren, AR · $146M
Questions about First Naturalstate Bank
How big is First Naturalstate Bank?
First Naturalstate Bank, established in 1974, is headquartered in Mcgehee, AR. It reported $109M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First Naturalstate Bank's return on assets?
1.03% annualized in Q2 2026, against a 1.25% median for 15 AR banks with half to twice its assets, ahead of 33% of them.
What is First Naturalstate Bank's efficiency ratio?
67.04% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 65.94%, and lower is better.
Is First Naturalstate Bank growing its loans?
Net loans grew 15.7% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.