FIRST NATIONAL BANK OF IZARD COUNTY

CALICO ROCK, AR | Small | Est. May 1, 1914, midnight | FDIC #11252 | RSSD #379649 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF IZARD COUNTY is asn small FDIC-insured commercial bank headquartered in CALICO ROCK, AR, established in May 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $231M and total deposits of $160M. Profitability stands at 0.42% ROA and 1.43% ROE, with a net interest margin of 5.07%. The bank's CET1 capital ratio is 29.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.35% and a Texas Ratio of 3.99%. FDIC Certificate #11252.

Assets

$231M

Deposits

$160M

Loans

$114M

Equity

$68M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 1.43%
Net Interest Margin (NIM) 5.07%
Yield on Assets 6.19%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 2.35%
Net Charge-Off Ratio 0.95%
Texas Ratio 3.99%
NPA Ratio 1.19%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 29.52%
Tier 1 Capital 29.52%
Total Capital Ratio 30.99%
Leverage Ratio 30.49%
Loan-to-Deposit 71.44%

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