# FIRST STATE BANK OF WARREN
WARREN, AR · FDIC certificate 94 · asset band <$300M · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $114.0M | |
| Deposits | $107.9M | |
| Loans and leases | $55.9M | |
| Total equity | $5.8M | |
| Loans / deposits | 50.77% (p22 of band) | 70.19% |
| Liquid assets / assets | 46.80% (p72 of band) | |
| Uninsured deposits / deposits | 34.05% (p87 of band) | 18.94% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 0.01% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.93% (p57 of band) | 11.30% |
| Unrealized securities loss / equity | -135.18% (p4 of band) | -16.70% |
| AOCI / equity | -6.15% (p5 of band) | |
| ROA (annualized) | 0.89% (p52 of band) | 0.87% |
| Net interest margin | 2.65% (p17 of band) | 3.46% |
| Efficiency ratio | 74.53% (p56 of band) | |
| Noncurrent loans | 0.16% (p44 of band) | 0.25% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 1277.01% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 9.80% (p36 of band) | |
| Auto loans | $656,000 (1.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | assets shrinking |  |
| 2013-09 | 0 |  | reserve under noncurrent, assets shrinking |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | losing money |  |
| 2017-09 | 1 | capital falling | losing money |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  | capital falling |

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

- 2024-04-22 [Commercial Bank & Trust, First State Bank to unify - Talk Business & Politics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNdUNIb2FkSDRCUGJWQVFYc1FFb1huWjd2bmUzdmcta3lacnVvX2lQU3lvbWsxVmNCLWJtaHNJNmRtRFNPSlpHM1RQb0RMZnVWU2xMWE44dmd0OVl1NFNVZ2o1VjU4UFppb2pXMEpHVFdlYVF2eGxpXzI2anNMRjlKVTVjZnhFYUFq?oc=5) · Talk Business &amp; Politics
- 2024-04-29 [Commercial Bank and First State Bank to combine - camdenarknews.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMFJ4R0drbWs1UlU3dHFYMEdhYnluYklIM2o0VWJaTGQwTGlaVlo5bDVHSkJUbGdieEQ1d3duYXB3YUtjdlNCTHpQVE9XZ2NOUUFhTndqbTZHWVlnc1VvVFVfMDhfRGxQc1N1SUMyUEx2U25kQkw5VlFJVmNNSzNfdXlpUXFGcElIbkNyN0V1ZHBjeGdWT0RVVVo0UQ?oc=5) · camdenarknews.com
- 2023-04-03 [Todd Smith on South Arkansas Banking - Arkansas Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxQODQxZVNsRDVxLW1wbWo3WmZ3RWtOOFdaaThBT0dzY2k4d25PTEJXVXBHcF9mNWM2NlVjd2lfbHRTc1lUXzdhYW5fRjR1Z1NTYnAxV1FfOWxyTVVVckhhSkpKQzhlNUFMS1Rsam1qbWxVODU0WVdDX0FiY1Y1T204aFFDc3Y?oc=5) · Arkansas Business
- 2024-04-22 [Warren and Monticello banks will combine - Magnolia Reporter](https://news.google.com/rss/articles/CBMitAFBVV95cUxQbnI2bGplbUl6TFdldmNJLTE0dVVFOG5JMk1oRjh4bl9JY3FaWjJpcC05MklWazlvcUt0WVhTdHQ2ZzNFNUNKSXI1cWE3dHJBQjhsWEhFZXZ5a3AxcGNqa1l5SjNmVXR2WTdYd2UtNkMwdk9oUGVQS3RoLUxLWjU5YWpSRURfSWx1Q3gwOGdmN0hoSnhjeGtHZGdMWDZaUFp0eVVfSXJyU1BFSjFkUGtVeDA0UXo?oc=5) · Magnolia Reporter
- 2024-06-18 [Warren goes pink for 68th tomato fest - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMidkFVX3lxTE81elAzQ081MnM4cVB3VTlFejgxUWJoTXdtUWYzQnFiME80bVF1YmlrVnIxQ0poVHBwNVRhUnBic3psLVZEU2JjS1hSODFSS3JzX0tFZmpWRjFac3FLUjZab2YxaGhHSU11b3h3OWtkMGdUZFVLSlE?oc=5) · Pine Bluff Commercial
- 2017-05-11 [Bennie F. Ryburn Jr. - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiigFBVV95cUxNcldsOU10UGlPVXV2YTJnOC1NdmlaVVUycVVNUnFub1ZwT0J6MHVacFJnODJpMWIxYTlHVU5UWjJEN25xdXJ5eU1IUFRnR29KSFN6V0h2Sjh2WXI4LU1tR1RadnhHLTFtU2tyTWxhdTJhSWlTeTRwbTdGZXhVb05vZ1B6V0pIQTh6SEE?oc=5) · The Arkansas Democrat-Gazette
- 2024-07-01 [Taking a Look at Return on Equity - Arkansas Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxNYVJfSENJMUhLUEhpdFNZbC1LS3dJcldZeHZxdXFUSXZjWHpYZi1nMXpISTdoTVJvaFVaZUtkbnllTkhJd01HWnM2M3ZYOWMyVXBmQW9FNUx0ZkcwcUp1WU81Zy1oQ3QwcXdDdjg2a09aWmx4SzVvWlRsYVJkWGpoVQ?oc=5) · Arkansas Business
- 2017-02-01 [Joan Watts Davidson - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxQZW04c2JJV3JlNVViaWtoR1hxeGl4LVZhcDhIeEtHVzdfY0E1SllzcjRpSTc0WE4zYXBJVUR0TFdNSlRYY3g4S3B0YThtLXp0RS1yaTFETGtIU21TVGFYTlNaWGpIUjdYX3lTZDBibDNRektaY3RGdkY0eU1VRS1ncUJ0MlhLUQ?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=94 (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/30.json (key "94", 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