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Fnbc Bank
Ash Flat, AR · FDIC Certificate #1294 · Chartered 01/0
Total assets
$843.32M
Total deposits
$704.13M
Total equity
$68.65M
Net loans
$602.52M
Branches (offices)
16
Net income (YTD)
$6.77M
Rank: #1,200 of 4,213 U.S. banks by assets · #28 of 78 in Arkansas. Assets changed 3.7% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 20.71% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 8.14% |
| Tier 1 leverage ratio | 9.68% |
| Uninsured deposits (share of deposits) | 12.1% |
| Noncurrent loans (share of loans) | 0.79% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 82.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $496.00M | 82.3% | |
| Commercial & industrial | $58.09M | 9.6% | |
| Consumer / individual | $37.41M | 6.2% | |
| Construction & development | $52.91M | 8.8% | |
| Agricultural | $16.82M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $702.09M | $577.69M | $3.63M | $44.06M |
| Jun 2023 | $740.20M | $570.66M | $2.37M | $44.30M |
| Jun 2024 | $798.67M | $631.56M | $2.37M | $51.90M |
| Jun 2025 | $813.16M | $712.62M | $5.47M | $56.08M |
| Jun 2026 | $843.32M | $704.13M | $6.77M | $68.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $650.94M | 14 |
| Missouri | $53.19M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $704.14M.
Similar-sized banks
The Old Fort Banking Company ($843.87M) · United Southern Bank ($843.00M)
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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