FIRST NATIONAL BANK OF COMMERCE

WALNUT RIDGE, AR | Small | Est. March 27, 1919, midnight | FDIC #3896 | RSSD #799948 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF COMMERCE is asn small FDIC-insured commercial bank headquartered in WALNUT RIDGE, AR, established in March 27, 1919, midnight. As of 2025-12-31, the bank reported total assets of $297M and total deposits of $270M. Profitability stands at 1.59% ROA and 19.13% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 8.55%. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 1.59%. FDIC Certificate #3896.

Assets

$297M

Deposits

$270M

Loans

$143M

Equity

$25M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 19.13%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.15%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.13%
Texas Ratio 1.59%
NPA Ratio 0.14%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 8.55%
Tier 1 Capital 8.55%
Total Capital Ratio 8.98%
Leverage Ratio 10.45%
Loan-to-Deposit 52.78%

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