First Arkansas Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
First Arkansas Bank and Trust is an FDIC-insured commercial bank headquartered in Jacksonville, AR, established in 1949 (FDIC certificate 16849), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.14B, up 5.0% from Q2 2025, the 22nd largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16849
- Headquarters
- Jacksonville, AR
- Established
- 1949
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 10.74%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 082007649
- Latest call report
- Q2 2026, FFIEC 051 · First Arkansas Bank and Trust call report
- Holding company
- FIRST ARKANSAS BANCSHARES, INC.
- Asset rank in state
- 22nd of 78 in Arkansas
First Arkansas Bank and Trust, based in Jacksonville, Arkansas, reported $1.1 billion in assets at June 30, 2026, up 5.0% from a year earlier. It carries problem assets equal to 15.2% of the capital and reserves that would absorb them, 4.3 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $4.0 million, 37% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $44 million equal 35% of Tier 1 capital, down from 48% a year earlier.
As of June 30, 2026, First Arkansas Bank and Trust reported a return on assets of 1.33%, a nonperforming-loan ratio of 1.63% and a Texas ratio of 15.22%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Arkansas Bank and Trust is the 22nd largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $1.14B, loans fell 1.5% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 28.8% of total loans, ahead of 1-4 family residential loans at 18.8%. The FDIC Summary of Deposits lists 20 offices for it, in 12 cities in AR; its Jacksonville 5 offices book 42% of its branch deposits. Judged on its Q2 2026 call report, First Arkansas Bank and Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 W Main St, Jacksonville, AR 72076
- County
- Pulaski
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 5, 1949
- Former names
- First Jacksonville Bank and Trust (1986-1998); First Jacksonville Bank (1972-1986)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 235
- Domestic deposits
- $985.8M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $1.19B
- Average total loans
- $796.1M
- Average interest-bearing deposits
- $857.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 5, 1949
- FDIC Cert
- 16849
- Fed RSSD
- 466240
- Website
- www.fabandt.bank →
- Parent Holding Company
- FIRST ARKANSAS BANCSHARES, INC. (RSSD 1096550)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Arkansas Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Arkansas Bank and Trust's total assets ranged from $997.1M (Q3 2023) to $1.17B (Q4 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.14B total assets against $1.09B; $1.03B total liabilities against $998.0M.
$788.0M net loans and leases against $742.3M; $985.8M total deposits against $967.5M.
$239.3M securities against $222.0M; $14.9M cash and balances due against $25.1M.
$15.4M total interest income against $14.8M; $5.1M total interest expense against $5.9M.
$10.3M net interest income against $8.8M.
$8.4M total noninterest income against $8.6M; $13.7M total noninterest expense against $13.7M.
$1.1M provision for credit losses against $809K.
$4.0M net income against $2.9M.
1.33% return on assets against 1.01%; 3.89% net interest margin against 3.45%.
10.74% tier 1 leverage ratio against 10.34%.
Inside the full First Arkansas Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Arkansas Bank and Trust rankings
Its closest position to the top of a national ranking is 304 of 3,640, for Texas Ratio; its furthest is 2,894 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q3 2025) to 1.79% (Q1 2026) and its net interest margin ran from 2.82% (Q3 2024) to 3.92% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.74% | 1.33% | 1.63% | 15.22% | 3.89% |
| Q1 2026 | 10.49% | 1.79% | 1.72% | 17.67% | 3.92% |
| Q4 2025 | 10.35% | 0.88% | 2.01% | 19.82% | 3.55% |
| Q3 2025 | 10.61% | 0.74% | 1.65% | 17.30% | 3.55% |
| Q2 2025 | 10.34% | 1.01% | 1.68% | 20.60% | 3.45% |
| Q1 2025 | 10.11% | 0.99% | 1.57% | 20.08% | 3.28% |
| Q4 2024 | 9.56% | 0.77% | 1.18% | 15.42% | 3.30% |
| Q3 2024 | 9.26% | 0.94% | 1.49% | 18.35% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Arkansas Bank and Trust (main office) | Jacksonville , AR | 72076 | $342.7M |
| Cabot Southside Branch | Cabot , AR | 72023 | $123.7M |
| Northside Branch | Heber Springs , AR | 72543 | $76.8M |
| Greers Ferry Branch | Greers Ferry , AR | 72067 | $49.8M |
| Rockwood Branch | Cabot , AR | 72023 | $44.3M |
| Greenbrier Branch | Greenbrier , AR | 72058 | $43.1M |
| Wildwood Branch | Sherwood , AR | 72120 | $40.6M |
| Sugar Loaf Office Branch | Heber Springs , AR | 72543 | $35.0M |
| Clinton Branch | Clinton , AR | 72031 | $28.8M |
| Quitman Branch | Quitman , AR | 72131 | $25.5M |
| Arnold Drive Lr Afb Branch | Jacksonville , AR | 72099 | $22.2M |
| North Branch | Jacksonville , AR | 72076 | $21.8M |
| Gravel Ridge Branch | Gravel Ridge , AR | 72076 | $21.1M |
| Austin Branch | Austin , AR | 72007 | $20.7M |
| Jacksonville Wal-Mart Shopping Center Branch | Jacksonville , AR | 72076 | $19.8M |
| Kiehl Branch | Sherwood , AR | 72120 | $16.8M |
| Highway 5 Branch | Cabot , AR | 72023 | $16.8M |
| Conway | Conway , AR | 72034 | $15.4M |
| Damascus Branch | Damascus , AR | 72039 | $11.3M |
| Cyber Branch | Jacksonville , AR | 72076 | $9.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2014 | Structure Change | Acquired First Arkansas Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 5, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 5, 2008 | Structure Change | Acquired Greers Ferry Lake State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2005 | Structure Change | Acquired First Team Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 1991 | Structure Change | Acquired Savers Savings Association, a Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 27, 1991 | Structure Change | Acquired First Savings of Arkansas, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in AR, rank 25 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 91 loans originated, $26.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Arkansas Bank and Trust
What are First Arkansas Bank and Trust's total assets?
As of the Q2 2026 filing, First Arkansas Bank and Trust reported total assets of $1.14 billion in its FFIEC call report.
Where is First Arkansas Bank and Trust headquartered?
It is headquartered in Jacksonville, AR, United States.
When was First Arkansas Bank and Trust founded?
It was established in 1949, per the FDIC institution directory.
Is First Arkansas Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Arkansas Bank and Trust?
First Arkansas Bank and Trust's primary federal regulator is the FDIC.
How many branches does First Arkansas Bank and Trust operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Arkansas Bank and Trust's Texas Ratio?
Its Texas Ratio is 15.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Arkansas Bank and Trust previously called?
The charter now named First Arkansas Bank and Trust has also operated as First Jacksonville Bank and Trust (1986-1998), First Jacksonville Bank (1972-1986), per FDIC structure-change records.
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