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First National Bank Of Commerce
Walnut Ridge, AR · FDIC Certificate #3896 · Chartered 03/2
Total assets
$296.62M
Total deposits
$268.76M
Total equity
$26.44M
Net loans
$156.37M
Branches (offices)
6
Net income (YTD)
$2.29M
Rank: #2,485 of 4,213 U.S. banks by assets · #52 of 78 in Arkansas. Assets changed 3.7% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 18.00% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 8.91% |
| Tier 1 leverage ratio | 10.65% |
| Uninsured deposits (share of deposits) | 23.3% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 58.2% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $110.39M | 70.6% | |
| Commercial & industrial | $16.89M | 10.8% | |
| Consumer / individual | $4.16M | 2.7% | |
| Construction & development | $9.49M | 6.1% | |
| Agricultural | $26.01M | 16.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $281.55M | $264.06M | $1.03M | $16.60M |
| Jun 2023 | $269.39M | $251.72M | $1.21M | $16.23M |
| Jun 2024 | $287.03M | $265.11M | $1.01M | $19.76M |
| Jun 2025 | $285.93M | $263.01M | $1.23M | $20.99M |
| Jun 2026 | $296.62M | $268.76M | $2.29M | $26.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $268.76M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $268.76M.
Similar-sized banks
SSB Community Bank ($296.79M) · Laona State Bank ($296.55M)
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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