First State Bank (FDIC #13632): Bank Stress & Real-Estate Credit Exposure
First State Bank (FDIC Cert #13632): bank stress 56/100, moderate, STABLE over 7 days; parent FIRST STATE BANKING CORP.
First State Bank (#13632) lends in 3 counties across 1 state; First State Bank (#13632) reaches 48 ZIP codes: Arkansas 3 counties, 48 ZIPs.
First State Bank (#13632) largest markets: Washington County, AR (20 branches, 20 ZIPs) (#13632), Pope County, AR (42 branches, 14 ZIPs) (#13632), Yell County, AR (14 branches, 14 ZIPs) (#13632).
First State Bank (#13632) reports $665.4 million in total assets; First State Bank (#13632) equity $108.8 million (16.4% of First State Bank (#13632) assets); First State Bank (#13632) domestic deposits $547.0 million; First State Bank (#13632) net income $2.0 million; First State Bank (#13632) return on assets 0.62%; First State Bank (#13632) return on equity 4.85%; First State Bank (#13632) net interest income $5.6 million; First State Bank (#13632) call report June 30, 2026.
First State Bank (#13632) noncurrent real-estate loans: none reported; First State Bank (#13632) net charge-offs on real estate 0.05%; First State Bank (#13632) residential charge-offs 0.09%.
First State Bank (#13632) net interest margin 1.91% against an eight-quarter First State Bank (#13632) average of 3.29% (First State Bank (#13632) compression 1.38 points); First State Bank (#13632) non-residential real estate 9.3% of equity; First State Bank (#13632) rate-exposure score 40/100, First State Bank (#13632) fixed-rate trap 40/100; First State Bank (#13632) risk type credit driven; First State Bank (#13632) rate regime rates elevated, First State Bank (#13632) snapshot October 19, 2026.
First State Bank (#13632) stress score moved from 79.1 on June 22, 2026 to 55.7 on October 19, 2026; First State Bank (#13632) ranged 55.7 to 79.1 over 116 snapshots.
First State Bank (#13632) alerts: 3 counties; top First State Bank (#13632) alert scores: Fayetteville County, AR 20 (low); Ola County, AR 20 (low); Russellville County, AR 20 (low).