BanksFIRST NATIONAL BANK OF IZARD COUNTY

FIRST NATIONAL BANK OF IZARD COUNTY

CALICO ROCK, ARSmallEst. May 1, 1914, midnightFDIC #11252RSSD #379649OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF IZARD COUNTY is an 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%. CET1 capital ratio: 29.52%, well above regulatory minimums. NPL ratio: 2.35% · Texas Ratio: 3.99%. Operates 5 domestic branches.

Assets
$231M
Deposits
$160M
Loans
$114M
Equity
$68M

Profitability

Return on Assets (ROA)0.42%
Return on Equity (ROE)1.43%
Net Interest Margin5.07%
Yield on Assets6.19%
Cost of Funds1.50%

Asset Quality

NPL Ratio2.35%
Net Charge-Off Ratio0.95%
Texas Ratio3.99%
NPA Ratio1.19%
ACL / Loans0.93%

Capital & Liquidity

CET1 Ratio29.52%
Tier 1 Capital29.52%
Total Capital Ratio30.99%
Leverage Ratio30.49%
Loan-to-Deposit71.44%

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