First State Bank (FDIC #15050): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #15050): bank stress 66/100, elevated, STABLE over 7 days; parent LONOKE BANCSHARES INC.

First State Bank (#15050) lends in 4 counties across 1 state; First State Bank (#15050) reaches 59 ZIP codes: Arkansas 4 counties, 59 ZIPs.

First State Bank (#15050) largest markets: Washington County, AR (20 branches, 20 ZIPs) (#15050), Cleburne County, AR (17 branches, 17 ZIPs) (#15050), Clark County, AR (11 branches, 11 ZIPs) (#15050), Lonoke County, AR (33 branches, 11 ZIPs) (#15050).

First State Bank (#15050) reports $328.1 million in total assets; First State Bank (#15050) equity $34.3 million (10.5% of First State Bank (#15050) assets); First State Bank (#15050) domestic deposits $292.6 million; First State Bank (#15050) net income $1.8 million; First State Bank (#15050) return on assets 1.12%; First State Bank (#15050) return on equity 10.93%; First State Bank (#15050) net interest income $5.9 million; First State Bank (#15050) call report June 30, 2026.

First State Bank (#15050) noncurrent real-estate loans: none reported; First State Bank (#15050) net charge-offs on real estate 0.00%.

First State Bank (#15050) net interest margin 3.77% against an eight-quarter First State Bank (#15050) average of 3.35% (First State Bank (#15050) compression -0.42 points); First State Bank (#15050) rate-exposure score 40/100, First State Bank (#15050) fixed-rate trap 40/100; First State Bank (#15050) risk type credit driven; First State Bank (#15050) rate regime rates elevated, First State Bank (#15050) snapshot October 19, 2026.

First State Bank (#15050) stress score moved from 66.8 on June 22, 2026 to 66.5 on October 19, 2026; First State Bank (#15050) ranged 66.5 to 66.8 over 116 snapshots.

First State Bank (#15050) alerts: 4 counties; top First State Bank (#15050) alert scores: Lonoke County, AR 30 (low); Fayetteville County, AR 22 (low); Gurdon County, AR 22 (low); Heber Springs County, AR 22 (low).