FIRST NATIONAL BANK

PARAGOULD, AR | Large | Est. March 22, 1889, midnight | FDIC #3887 | RSSD #42448 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in PARAGOULD, AR, established in March 22, 1889, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.1B. Profitability stands at 0.87% ROA and 7.72% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 13.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.12%. FDIC Certificate #3887.

Assets

$2.6B

Deposits

$2.1B

Loans

$2.0B

Equity

$289M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 7.72%
Net Interest Margin (NIM) 3.74%
Yield on Assets 6.35%
Cost of Funds 4.49%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.12%
NPA Ratio 0.14%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 13.55%
Tier 1 Capital 13.55%
Total Capital Ratio 14.80%
Leverage Ratio 10.67%
Loan-to-Deposit 96.05%

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