First National Bank (Paragould, AR)
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Data as of · sourced from FFIEC call reports. How we update
First National Bank is an FDIC-insured commercial bank headquartered in Paragould, AR, established in 1889 (FDIC certificate 3887), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.59B, up 3.2% from Q2 2025, the 10th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 13.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3887
- Headquarters
- Paragould, AR
- Established
- 1889
- Total assets, Q2 2026
- $2.59B
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 13.42%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 084100793
- Holding company
- FIRST PARAGOULD BANKSHARES, INC.
- Asset rank in state
- 10th of 78 in Arkansas
First National Bank pays more for its money than most banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, up 3.2% from a year earlier; it is based in Paragould, Arkansas. It pays an average of 2.58% on its deposits and borrowings, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it carries problem assets equal to 1.3% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
Net income for the quarter rose 22% from a year earlier, to $8.2 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 0.38%.
As of June 30, 2026, First National Bank reported a CET1 capital ratio of 13.42%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank is the 10th largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $2.59B, loans rose 2.7% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.6%. Its 23 offices in the FDIC Summary of Deposits are in 15 cities across 2 states; its Paragould 3 offices book 39% of its branch deposits. On its Q2 2026 call report, First National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Court St, Paragould, AR 72450
- County
- Greene
- Metro Area
- Paragould, AR
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 22, 1889
- Former names
- First National Bank of Commerce (1967-1973); National Bank of Commerce of Paragould (1889-1967)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 309
- Domestic deposits
- $2.12B
- Allowance for credit losses
- $35.0M
- Net charge-offs (YTD)
- -$101K
- Average total assets
- $2.58B
- Average total loans
- $2.09B
- Average interest-bearing deposits
- $1.79B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3887
- Fed RSSD
- 42448
- SEC CIK
- 737004 → filed by FIRST PARAGOULD BANKSHARES, INC.
- Website
- http://www.fnbank.net →
- Parent Holding Company
- FIRST PARAGOULD BANKSHARES, INC. (RSSD 1119383)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank's total assets ranged from $2.37B (Q4 2023) to $2.59B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.59B total assets against $2.51B; $2.29B total liabilities against $2.22B.
$2.08B net loans and leases against $1.98B; $2.12B total deposits against $2.07B.
$179.3M securities against $174.3M; $129.9M cash and balances due against $171.6M.
$37.4M total interest income against $36.0M; $14.0M total interest expense against $15.4M.
$23.4M net interest income against $20.6M.
$4.1M total noninterest income against $4.0M; $15.7M total noninterest expense against $14.3M.
$1.8M provision for credit losses against $2.3M.
$8.2M net income against $6.8M.
1.28% return on assets against 1.07%; 3.90% net interest margin against 3.51%.
13.42% CET1 capital ratio against 13.47%; 11.12% tier 1 leverage ratio against 10.80%.
Inside the full First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First National Bank rankings
Its closest position to the top of a national ranking is 483 of 4,196, for total assets; its furthest is 2,555 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q4 2025) to 1.28% (Q2 2026) and its net interest margin ran from 3.37% (Q1 2025) to 3.90% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.42% | 1.28% | 0.19% | 1.28% | 3.90% |
| Q1 2026 | 13.64% | 1.12% | 0.18% | 1.25% | 3.74% |
| Q4 2025 | 13.55% | 0.86% | 0.20% | 1.37% | 3.66% |
| Q3 2025 | 13.57% | 1.10% | 0.32% | 2.29% | 3.64% |
| Q2 2025 | 13.47% | 1.07% | 0.38% | 2.73% | 3.51% |
| Q1 2025 | 13.35% | 1.05% | 0.36% | 2.59% | 3.37% |
| Q4 2024 | 13.33% | 0.94% | 0.36% | 2.59% | 3.43% |
| Q3 2024 | 13.68% | 1.12% | 0.33% | 2.63% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 23 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 National Bank (main office) | Paragould , AR | 72450 | $777.4M |
| JonesboroHilltop Branch | Jonesboro , AR | 72405 | $202.7M |
| Corning Banking Center | Corning , AR | 72422 | $180.8M |
| Citizens Bank | Gallatin , TN | 37066 | $155.1M |
| Elk Park Branch | Jonesboro , AR | 72401 | $144.3M |
| Citizens Bank Main Office Branch | Hartsville , TN | 37074 | $118.9M |
| Heber Springs Branch | Heber Springs , AR | 72543 | $86.1M |
| Chenal Parkway Branch | Little Rock , AR | 72211 | $69.5M |
| Reynold's Road Branch | Paragould , AR | 72450 | $56.7M |
| Piggott Branch | Piggott , AR | 72454 | $38.8M |
| Highland Drive Branch | Jonesboro , AR | 72401 | $38.1M |
| Rodney Parham Branch | Little Rock , AR | 72212 | $37.3M |
| Lakewood Branch | North Little Rock , AR | 72116 | $37.2M |
| Hendersonville Branch | Hendersonville , TN | 37075 | $33.7M |
| Rogers Branch | Rogers , AR | 72758 | $28.3M |
| Capitol Branch | Little Rock , AR | 72201 | $23.4M |
| Kavanaugh Boulevard Branch | Little Rock , AR | 72207 | $23.2M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $23.0M |
| Baptist Medical Towers Branch | Little Rock , AR | 72205 | $21.1M |
| Bentonville Branch | Bentonville , AR | 72712 | $14.1M |
| Springdale Branch | Springdale , AR | 72764 | $6.5M |
| Johnson Branch | Johnson , AR | 72741 | $6.0M |
| West Branch | Paragould , AR | 72450 | $572K |
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 |
|---|---|---|---|
| September 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2021 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired One Bank & Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2002 | Structure Change | Acquired The Corning Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 1967 | Structure Change | Acquired First National Bank of Paragould Charter Discontinued (Merger or Purchase & Assumption) 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
- 1.7% of deposits in AR, rank 12 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 412 applications, 341 loans originated, $82.2M originated, across 5 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 2008 (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 National Bank
What are First National Bank's total assets?
As of the Q2 2026 filing, First National Bank reported total assets of $2.59 billion in its FFIEC call report.
Where is First National Bank headquartered?
It is headquartered in Paragould, AR, United States.
When was First National Bank founded?
It was established in 1889, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3887). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC.
What is First National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank's Texas Ratio?
Its Texas Ratio is 1.28% 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 National Bank previously called?
The charter now named First National Bank has also operated as First National Bank of Commerce (1967-1973), National Bank of Commerce of Paragould (1889-1967), per FDIC structure-change records.
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