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.

From Q2 2025 to Q2 2026, the score fell 5 points (76 → 71), mostly because the earnings component weakened by 23 points.

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

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #13632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.8% of deposits ($190.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.26% (benchmark: 10%).

Check how much of your own balance is covered

First State Bank lists 5 offices in 3 cities. Most locations:

• Russellville, AR (3)
• Fayetteville, AR (1)
• Ola, AR (1)

All branch addresses and map

In 2025, First State Bank reported 108 home-loan applications under HMDA (LEI 549300JOYC0RUSF9DL04): 106 originated ($27,960,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First State Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

13632

RSSD ID

114840

Primary regulator

FED

Holding company

First Bank Corp

Established

January 12, 1934

Headquarters

3103 E Main St, Russellville, AR 72802

Website

www.fsbmybank.com

Employees

64