Bear State Financial Inc is an Arkansas corporation and bank holding company. The business and management of the company consist of the business and management of the bank. The bank is a federally chartered stock savings and loan association. The bank is a community-oriented financial institution offering a wide range of retail and business deposit accounts, including non-interest 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, consumer, construction, commercial real estate and commercial business loans. Other financial services include automated teller machines, telephone banking, online banking, mobile banking, amongst others.