FNBC BANK
FNBC BANK is an FDIC-insured commercial bank headquartered in ASH FLAT, AR, established in 1912. As of , 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 4.23%. CET1 capital ratio: 11.51%, well above regulatory minimums. NPL ratio: 0.63% · Texas Ratio: 5.20%. Operates 16 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Fnbc Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.51% | 1.30% | 0.63% | 5.20% | 4.23% |
| 2025-09-30 | 11.80% | 1.42% | 1.32% | 10.49% | 4.17% |
| 2025-06-30 | 11.89% | 1.66% | 0.50% | 4.27% | 4.40% |
| 2025-03-31 | 11.68% | 1.05% | 0.58% | 5.00% | 3.83% |
| 2024-12-31 | 11.41% | 1.10% | 0.66% | 5.75% | 3.69% |
| 2024-09-30 | 10.88% | 1.07% | 0.49% | 3.83% | 3.53% |
| 2024-06-30 | 11.00% | 0.82% | 0.37% | 3.24% | 3.33% |
| 2024-03-31 | 10.90% | 0.36% | 0.31% | 2.64% | 3.18% |
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Frequently asked about FNBC BANK
What are Fnbc Bank's total assets?
As of the Q4 2025 filing, Fnbc Bank reported total assets of $852.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fnbc Bank headquartered?
Fnbc Bank is headquartered in ASH FLAT, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Fnbc Bank founded?
Fnbc Bank was established in 1912, per the FDIC institution directory.
Is Fnbc Bank FDIC-insured?
Yes. Fnbc Bank is an FDIC-insured commercial bank (FDIC Certificate #1294). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fnbc Bank?
Fnbc Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fnbc Bank's CET1 capital ratio?
Fnbc Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.51% in its most recent quarterly filing — above regulatory minimums.
How many branches does Fnbc Bank operate?
Fnbc Bank operates 16 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Fnbc Bank's Texas Ratio?
Fnbc Bank's Texas Ratio is 5.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.