FIRST NATIONAL BANK OF FORT SMITH, THE

FORT SMITH, AR | Large | Est. Feb. 29, 1872, midnight | FDIC #3864 | RSSD #397540 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF FORT SMITH, THE is aln large FDIC-insured commercial bank headquartered in FORT SMITH, AR, established in Feb. 29, 1872, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $2.0B. Profitability stands at 1.89% ROA and 14.73% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 9.84%. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 0.93%. FDIC Certificate #3864.

Assets

$2.3B

Deposits

$2.0B

Loans

$1.6B

Equity

$282M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 14.73%
Net Interest Margin (NIM) 4.36%
Yield on Assets 6.06%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.93%
NPA Ratio 0.12%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 9.84%
Tier 1 Capital 9.84%
Total Capital Ratio 10.33%
Leverage Ratio 11.17%
Loan-to-Deposit 80.94%

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