Bear State Financial, Inc., formerly First Federal Bancshares of Arkansas, Inc., is the bank holding company for Bear State Bank, N.A. (the Bank). The Bank offers a range of 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. Loan products offered by the Bank include residential real estate loans, consumer loans, construction loans, lines of credit, commercial real estate loans and commercial business loans. The Bank's other financial services include automated teller machines; around the clock telephone banking; online banking, including account access, bill payment, and e-statements; mobile banking, including remote deposit capture and funds transfer; Bounce Protection overdraft service; debit cards, and safe deposit boxes. The Bank conducts its business through around 43 branches in Arkansas and Oklahoma.