Total Assets
$502M
Total balance-sheet footings
FDIC Cert #21805 · De Queen, Arkansas · Est. 1974
First State Bank of DeQueen - FDIC Bank Health Profile
A community-scale look at First State Bank of DeQueen's own numbers, pulled straight from its quarterly FDIC Call Report.
- $502M
- Total assets
- B
- Health grade · Good
- 1.40%
- Return on assets
- 9.2%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of DeQueen earns a PlainBankData health grade of B (66/100), with 9.24% Tier 1 capital, profitable at 1.40% ROA, efficient (56% cost ratio).
- #1,781
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 9.24%
- Tier 1 ratio - below the 10% well-capitalized line
- 69th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First State Bank of DeQueen's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of DeQueen's composite health score
Tier 1 Capital Ratio (9.24%) 18/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (8.07%) 16/20
Efficiency Ratio (56.04%) 12/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$452M
Customer-funded liabilities
Net Loans
$280M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of DeQueen ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of DeQueen's score of 66/100 falls in the highlighted band.
First State Bank of DeQueen's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank of DeQueen's $502M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.24% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.24%
Texas Ratio
8.07%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
21.47%
Efficiency Ratio
56.04%
What the numbers say about First State Bank of DeQueen
First State Bank of DeQueen is an FDIC-insured institution (Certificate #21805) headquartered in De Queen, Arkansas, established in 1974. It holds $502M in total assets - 1,781st of 4,313 FDIC-insured banks, $452M in customer deposits, and $280M in net loans. Its capital position: a Tier 1 ratio of 9.24%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.07% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First State Bank of DeQueen sits 38th of 78 banks headquartered in Arkansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$28M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of DeQueen reports a Texas Ratio of 8.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of DeQueen (FDIC Cert #21805) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is First State Bank of DeQueen's health grade?▼
First State Bank of DeQueen receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First State Bank of DeQueen?▼
First State Bank of DeQueen holds $502M in total assets and $452M in deposits, ranking 1,781st of 4,313 FDIC-insured banks by asset size. It is headquartered in De Queen, Arkansas.
Is my money safe at First State Bank of DeQueen?▼
Yes, deposits at First State Bank of DeQueen (Certificate #21805) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of DeQueen's Tier 1 Capital Ratio?▼
First State Bank of DeQueen has a Tier 1 Capital Ratio of 9.24%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for First State Bank of DeQueen?▼
First State Bank of DeQueen has a Texas Ratio of 8.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank of DeQueen?▼
First State Bank of DeQueen has an Efficiency Ratio of 56.04%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of DeQueen's profile as a depositor or analyst.
- First State Bank of DeQueen's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of DeQueen against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.