FIRST ARKANSAS BANK AND TRUST

JACKSONVILLE, AR | Large | Est. Nov. 5, 1949, midnight | FDIC #16849 | RSSD #466240 | FDIC
Latest Report: 2025-12-31

FIRST ARKANSAS BANK AND TRUST is aln large FDIC-insured commercial bank headquartered in JACKSONVILLE, AR, established in Nov. 5, 1949, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 0.92% ROA and 10.39% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 4.15%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 2.01% and a Texas Ratio of 14.79%. FDIC Certificate #16849.

Assets

$1.2B

Deposits

$1.0B

Loans

$771M

Equity

$103M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 10.39%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.89%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 2.01%
Net Charge-Off Ratio 0.49%
Texas Ratio 14.79%
NPA Ratio 1.42%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 4.15%
Tier 1 Capital 4.15%
Total Capital Ratio 4.36%
Leverage Ratio 10.35%
Loan-to-Deposit 74.89%

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