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First National Bank
Paragould, AR · FDIC Certificate #3887 · Chartered 03/2
Total assets
$2.59B
Total deposits
$2.12B
Total equity
$299.65M
Net loans
$2.08B
Branches (offices)
23
Net income (YTD)
$15.34M
Rank: #491 of 4,213 U.S. banks by assets · #10 of 78 in Arkansas. Assets changed 3.2% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 10.46% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 11.59% |
| Tier 1 leverage ratio | 11.12% |
| Uninsured deposits (share of deposits) | 37.9% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 97.8% |
| Real estate loans (share of loans) | 84.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.75B | 84.1% | |
| Commercial & industrial | $166.18M | 8.0% | |
| Consumer / individual | $47.35M | 2.3% | |
| Construction & development | $269.94M | 13.0% | |
| Agricultural | $143.57M | 6.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.25B | $1.90B | $13.60M | $246.40M |
| Jun 2023 | $2.38B | $2.01B | $12.66M | $255.81M |
| Jun 2024 | $2.39B | $1.97B | $12.04M | $268.22M |
| Jun 2025 | $2.51B | $2.07B | $13.29M | $283.21M |
| Jun 2026 | $2.59B | $2.12B | $15.34M | $299.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.82B | 20 |
| Tennessee | $307.58M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.12B.
Similar-sized banks
State Bank Of Texas ($2.59B) · Extraco Banks, National Association ($2.57B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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