First Naturalstate Bank
Mcgehee, Arkansas · FDIC Cert #21379
First Naturalstate Bank is an FDIC-insured bank (Certificate #21379) with $95M in total assets and $82M in total deposits as of the Q2 2024 Call Report. Headquartered in Mcgehee, Arkansas, the bank maintains a Tier 1 capital ratio of 23.79% (Well-Capitalized) and a nonperforming loan ratio of 0.60%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Naturalstate Bank (FDIC cert 21379) is a community bank — $95M in total assets, $82M in deposits, serving the Mcgehee, Arkansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 23.79% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.60% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 22.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.16% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Naturalstate Bank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Naturalstate Bank
- Total Assets
- $95M
- Total Deposits
- $82M
- Tier 1 Capital Ratio
- 23.79%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.60%
- Liquidity Ratio
- 22.22%
- Return on Assets
- 1.16%
- Headquarters
- Mcgehee, Arkansas
- FDIC Certificate
- #21379
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Naturalstate Bank holds a Tier 1 capital ratio of 23.79%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Naturalstate Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Naturalstate Bank shows strong financial health indicators. With $95M in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Naturalstate Bank Compares
First Naturalstate Bank’s Health Score of 85 is 19 points above the Arkansas state average of 66 across 57 FDIC-insured banks. Its 23.79% Tier 1 capital ratio is 9.8 points above the US banking industry average near 14%. The 0.60% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.16% is in line with or above the national ROA benchmark of ~1.1%. Among 1052 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Naturalstate Bank is 15 points above the portfolio average of 70.
Frequently Asked Questions
First Naturalstate Bank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 23.79%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Naturalstate Bank's Tier 1 capital ratio of 23.79% and nonperforming loan ratio of 0.60% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Naturalstate Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #21379). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Naturalstate Bank holds $95M in total assets and $82M in total deposits. It is headquartered in Mcgehee, Arkansas (FDIC Certificate #21379).
First Naturalstate Bank has a Tier 1 capital ratio of 23.79%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.60%, and the return on assets is 1.16%.
Yes. First Naturalstate Bank is FDIC-insured (Certificate #21379). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Naturalstate Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.