# FIRST NATURALSTATE BANK
MCGEHEE, AR · FDIC certificate 21379 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $108.8M | |
| Deposits | $91.3M | |
| Loans and leases | $88.8M | |
| Total equity | $15.6M | |
| Loans / deposits | 95.76% (p87 of band) | 73.59% |
| Liquid assets / assets | 16.58% (p15 of band) | |
| Uninsured deposits / deposits | 21.59% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.49% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.55% (p80 of band) | 11.76% |
| Unrealized securities loss / equity | -5.89% (p53 of band) | -6.57% |
| AOCI / equity | -0.01% (p70 of band) | |
| ROA (annualized) | 1.03% (p41 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 67.04% (p53 of band) | |
| Noncurrent loans | 0.50% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p69 of band) | |
| Reserve coverage of noncurrent | 312.50% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 36.75% (p70 of band) | |
| Auto loans | $3.2M (3.58% of loans; DQ 4.43%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 21 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | capital falling, NIM <2.5% |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 | assets shrinking | NIM <2.5% |
| 2013-12 | 4 | deposits shrinking |  |
| 2014-03 | 5 | capital falling |  |
| 2014-06 | 2 |  | assets shrinking, deposits shrinking, capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 2 |  | deposits shrinking, assets shrinking |
| 2016-06 | 3 | deposits shrinking |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving, deposits shrinking |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 3 | capital falling, noncurrent p90 |  |
| 2021-06 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  | uninsured deposits leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-07 [Friendly Competitors: Local Banks Finding Success in Small-Town Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQM3hRQ0F4YkM1Zk9WQjBuR1NaUXhJblFTUl9oby05dTlEQUtOTUszVjlpU3BVdlRVdF9mMjZZaVBBZk5aeUxZX05RN3Q4NUpSQi1BTWNvbnVwMlIwTFJHb0xvTGUxMk9ha0Z2WkVoSGVSY1A1bWMtWmxUUEl0dUpSYlFWakJjNm9s?oc=5) · Arkansas Business
- 2024-07-01 [Taking a Look at Return on Equity - Arkansas Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxNYVJfSENJMUhLUEhpdFNZbC1LS3dJcldZeHZxdXFUSXZjWHpYZi1nMXpISTdoTVJvaFVaZUtkbnllTkhJd01HWnM2M3ZYOWMyVXBmQW9FNUx0ZkcwcUp1WU81Zy1oQ3QwcXdDdjg2a09aWmx4SzVvWlRsYVJkWGpoVQ?oc=5) · Arkansas Business
- 2018-01-21 [5 acres in west Little Rock sell for $3.4M; new owners plan restaurant, hotel - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUENtU3UwQzNUSTYtLXFlQTVNbTJzVUZoUE5CSzJQOTFDMmJ2Tk5FRU5NWlVnSkxoRjdzZ2VIN1JnQ05zVE9ycFhPZS0tQ2s5SFBuRzJtbGY4TWo5Ty1RekpiOGF2TTNOeFdveGhGbzBkRUtLTEk0QlctOG9DbXh5M280Vjg2LXY5VklqMmZaWjlOdw?oc=5) · The Arkansas Democrat-Gazette
- 2022-01-24 [McLarty Buys Dealership Property for $4.5M (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbHQyUFhCaXlfd0FTTE5PWllHRURiN1FYblFGTDdkR2pYTjRpcFRxOWM5XzMzN25CS3FROEFoM3hubU5wUFprRFQzU2tsR2JyemkxNnBpMFZHaVNMbTZVOUJHeE14WFJWZGRUc01FYlpzVGctTW9sLVdmbFNZbnVBUldFWXk4dzJWMGtqS3FKVkVGV3dyMHZz?oc=5) · Arkansas Business
- 2018-06-11 [NLR Pharmacy Prescribed Following $2.2M Site Sale (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWjhISXZKeDNGUGFtaGFnUzhXaGR1SXdxdlRLbnhiWFJvczBzM3BuX1ZVWEhXblgtMUdaU201bUt3cUtPWk9faGtfSGl6UUxIenpDV3ZXQ0xfNElCdmVhOUdQb2dGY0JGRm9Bd0pQbnFZOXExZ055TkNXOTIyeVNUTGhUMXUxbEhyajFvdVlCRWtxc3VTUkdsYXp2S3lNQTRHd3c?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21379 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "21379", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide