First Naturalstate Bank (FDIC certificate #21379) is based in Mcgehee, Arkansas. Its Q2 2026 call report shows $108.8M in total assets and $91.3M in deposits and 3 offices.
Based on its Q2 2026 filing, First Naturalstate Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 15th. Its strongest component is capital cushion (100/100; 15.55%), and its lowest is funding & liquidity (57/100; 96% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (78 → 81), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 84 |
| Q1 2025 | 80 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 80 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.61% |
| Q3 2024 | 16.57% |
| Q4 2024 | 14.83% |
| Q1 2025 | 15.57% |
| Q2 2025 | 17.89% |
| Q3 2025 | 15.71% |
| Q4 2025 | 15.45% |
| Q1 2026 | 15.44% |
| Q2 2026 | 15.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.92% |
| Q2 2026 | 1.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $108.8M | 15.55% | 0.50% | 1.03% | 95.8% |
| Q1 2026 | 80 | $103.5M | 15.44% | 0.59% | 0.92% | 93.0% |
| Q4 2025 | 79 | $102.2M | 15.45% | 0.54% | 0.90% | 96.1% |
| Q3 2025 | 79 | $105.4M | 15.71% | 0.85% | 0.99% | 84.9% |
| Q2 2025 | 78 | $100.9M | 17.89% | 0.86% | 0.92% | 87.7% |
| Q1 2025 | 80 | $102.4M | 15.57% | 0.68% | 0.87% | 80.9% |
| Q4 2024 | 84 | $95.2M | 14.83% | 0.01% | 0.68% | 86.1% |
| Q3 2024 | 80 | $96.7M | 16.57% | 0.42% | 0.59% | 87.9% |
| Q2 2024 | 81 | $95.2M | 16.61% | 0.60% | 0.93% | 85.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Logan County BankBank Scranton, AR | 88 out of 100, Very strong | $120.8M | 16.9% | 0.18% | vs |
| Connect BankBank Star City, AR | 89 out of 100, Very strong | $123.9M | 15.9% | 0.88% | vs |
| Warren Bank and Trust CompanyBank Warren, AR | 75 out of 100, Strong | $146.3M | 16.2% | 1.52% | vs |
| Priority BankBank Fayetteville, AR | 49 out of 100, Below average | $153.4M | 10.5% | 3.37% | vs |
| Riverwind BankBank Augusta, AR | 68 out of 100, Moderate | $167.8M | 9.1% | 0.16% | vs |
| RiverBankBank Pocahontas, AR | 48 out of 100, Below average | $174.4M | 12.2% | 3.42% | vs |
Deposit insurance
Is my money safe at First Naturalstate Bank?
Yes. First Naturalstate Bank is an FDIC-insured institution (FDIC certificate #21379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($19.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.62% (benchmark: 10%).
3 locations
Branches
First Naturalstate Bank lists 3 offices in 2 cities. Most locations:
- Mcgehee, AR (2)
- Dumas, AR (1)
Identity & history
Profile
- Legal name
- First Naturalstate Bank
- Former names
- The First National Bank of McGehee
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 21379
- RSSD ID
- 78241
- Primary regulator
- FED
- Holding company
- First National Financial Corp
- Established
- January 2, 1974
- Headquarters
- 500 N 2nd St, Mcgehee, AR 71654
- Website
- www.fnsbank.com
- Employees
- 21
Quick answers
First Naturalstate Bank: common questions
Is First Naturalstate Bank FDIC insured?
Yes. First Naturalstate Bank is an FDIC-insured institution (FDIC certificate #21379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Naturalstate Bank's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Naturalstate Bank ever failed?
There is no failure record for FDIC certificate #21379 in the FDIC failed bank list.
How many branches does First Naturalstate Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcgehee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Producers Bank & TrustBank Mcgehee, AR | 90 out of 100, Very strong | $213.2M | 22.1% | 0.00% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Connect BankBank Star City, AR | 89 out of 100, Very strong | $123.9M | 15.9% | 0.88% | vs |
| Bank of Lake VillageBank Lake Village, AR | 82 out of 100, Strong | $90.6M | 16.1% | 1.00% | vs |
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |
| Union Bank & Trust CompanyBank Monticello, AR | 66 out of 100, Moderate | $355.8M | 10.2% | 1.11% | vs |