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 rose 3 points (74 → 77), mostly because the earnings component improved by 6 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 #15050). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($74.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

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

• Carlisle, AR (1)
• Fayetteville, AR (1)
• Gurdon, AR (1)
• Heber Springs, AR (1)
• Lonoke, AR (1)

All branch addresses and map

In 2025, First State Bank reported 69 home-loan applications under HMDA (LEI 549300DFQP4S0ZYOBT18): 64 originated ($38,920,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.5%, 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

FDIC certificate #

15050

RSSD ID

10849

Primary regulator

FDIC

Holding company

Lonoke Bancshares Inc

Established

March 18, 1935

Headquarters

101 S Center St, Lonoke, AR 72086

Website

www.firststatebk.com

Employees

50