Bear State Bank is a banking institution that provides personal and business banking products and services. The bank provides checking accounts, savings accounts, certificates of deposit, online and mobile banking, debit cards, credit cards, mortgage loans, consumer and commercial loans and lines of credit. The bank also provides treasury management, account analysis, rural development loans, permanent financing, construction loans and merchant service solutions. Founded in 1934, the bank is based in Little Rock, Arkansas. It operates as a subsidiary of Bear State Financial.