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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 21805 · AR B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3400/4307
  • PHOTO-FINISH Kirkwood Bank & Trus… · ND
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 8.1% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Kirkwood Bank & Trust Co., ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank of DeQueen

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cornerstone State Bank · MN …66/100First State Bank of… · AR · …66/100Kirkwood Bank & Trus… · ND ·…66/100PeoplesSouth Bank · GA · near66/100Three Rivers Bank of… · MT ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of DeQueen · July 2026

What First State Bank of DeQueen's Call Report plate shows

First State Bank of DeQueen (FDIC Cert #21805) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,400 of 4,307. Tier 1 capital prints at 9.24%, missing the 10% well-capitalized line. The Texas Ratio is 8.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.40%. Balance-sheet scale is $502M, 1,781st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Kirkwood Bank & Trust Co. (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank of DeQueen

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

First State Bank of DeQueen's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First State Bank of DeQueen remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

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.

0/100100/100National avg77/10066/100
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 Assets

$502M

Total balance-sheet footings

Total Deposits

$452M

Customer-funded liabilities

Net Loans

$280M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.84% 9.24% 10.64%
Basel III capital ratios - First State Bank of DeQueen

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank of DeQueen 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for First State Bank of DeQueen

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

What these ratios mean →

Earnings posture at First State Bank of DeQueen

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
21.47%
Efficiency Ratio
56.04%

What these mean →

Income & expense at First State Bank of DeQueen

$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.

FDIC Failed Bank List → View First State Bank of DeQueen on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($502M here), outside Arkansas so the neighborhood is not state containment.

The Missouri Bank $502M · MO Bank of Dudley $502M · GA Cornerstone Bank $501M · KS First State Bank and Trust $503M · IL

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.

First State Bank of DeQueen Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
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%