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Bear State Financial, Inc. operates as the holding company for First Federal Bank, which provides various financial products and services to individuals and small to medium-sized businesses in Arkansas. It offers retail and business deposit accounts, including noninterest bearing and interest bearing checking accounts, savings and money market accounts, certificates of deposit, and individual retirement accounts. The company also provides one-to four-family residential real estate loans; multifamily residential real estate loans; nonfarm nonresidential loans; construction and land development loans; commercial real estate and commercial business loans; and consumer loans, such as automobile loans, deposit account secured loans, and unsecured loans, as well as lines of credit. In addition, it offers automated teller machine services; 24-hour telephone banking services; online banking services that include account access, bill payment, and e-statements; mobile banking services; bounce protection overdraft services; debit cards; and safe deposit boxes. As of March 31, 2014, the company offered its products and services through its home office in Harrison; a full-service branch office in Pulaski County; 10 full-service branch offices and 1 limited service office located in Benton, Washington, Boone, Marion, and Baxter counties; and a mortgage production office in Bentonville. Bear State Financial, Inc. was founded in 1934 and is based in Harrison, Arkansas.
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