FNBC BANK

ASH FLAT, AR | Medium | Est. Jan. 1, 1912, midnight | FDIC #1294 | RSSD #100843 | FED
Latest Report: 2025-12-31

FNBC BANK is amn medium FDIC-insured commercial bank headquartered in ASH FLAT, AR, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $853M and total deposits of $701M. Profitability stands at 1.30% ROA and 17.45% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 11.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 5.19%. FDIC Certificate #1294.

Assets

$853M

Deposits

$701M

Loans

$603M

Equity

$64M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 17.45%
Net Interest Margin (NIM) 4.47%
Yield on Assets 6.64%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.19%
NPA Ratio 0.46%
ACL / Loans 1.90%

Capital & Liquidity

CET1 Ratio 11.51%
Tier 1 Capital 11.51%
Total Capital Ratio 12.77%
Leverage Ratio 9.14%
Loan-to-Deposit 86.01%

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