Applications / Mortgage Analytics / Lenders / Arkansas / First State Bank
Russellville, AR · State member bank · FRS · $614 million assets · 106 loans in 2025
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106
loans originated, 2025
108
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, based in Russellville, Arkansas, is a conventional home-purchase lender that has reported only since 2023, and it held its volume at 106 loans in 2025 while similar lenders grew.
Its 106 loans were 2% more than the 104 of 2024. Similar lenders (state member banks making between half and twice as many loans) grew by 8%, and the whole market by 10%. By count it sits near the middle of its peers. It first reported in 2023, with 90 loans, so its record is short.
Purchases made up 60.4% of its loans and refinancing 32.1%, all conventional. Its typical loan, $145,000, was lower than about seven in ten similar lenders, against $175,000. Manufactured homes, at 1.9% of its loans, were close to its peers' 2.1%.
Non-metro Arkansas is its largest market; it ranks 57 of 459 lenders there. In Little Rock-North Little Rock-Conway it ranks 107 of 423, with a 0.1% share in both years, behind Arvest Bank, the leader. In 2025 it entered Atlanta-Sandy Springs-Alpharetta and Jonesboro, at small shares.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First State Bank took 108 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.4% · Refinance 32.1% · Home improvement 4.7% · Other 2.8%
Conventional 100.0% · of 106 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 105 | 99.1% |
| Georgia | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 16 |
| Little Rock-North Little Rock-Conway | 5 |
| Fort Smith | 4 |
| Jonesboro | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JOYC0RUSF9DL04 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 114840 | 2023–2023 |
Established 12 January 1934. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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First State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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