First National Bank of Commerce
Also written as FNB of Commerce
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Commerce is an FDIC-insured commercial bank headquartered in Walnut Ridge, AR, supervised by the OCC, with $296.6M in total assets at Q2 2026, up 3.7% from Q2 2025, the 52nd largest of 78 banks headquartered in Arkansas. It was established in 1919 and holds FDIC certificate 3896. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3896
- Headquarters
- Walnut Ridge, AR
- Established
- 1919
- Total assets, Q2 2026
- $296.6M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 10.65%
- Domestic offices
- 6 · First National Bank of Commerce branches FDIC institution directory, current count
- Routing number
- 084106027
- Safety and soundness
- Is First National Bank of Commerce safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Commerce Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FIRST NATIONAL CAPITAL CORPORATION
- Asset rank in state
- 52nd of 78 in Arkansas
First National Bank of Commerce, based in Walnut Ridge, Arkansas, reported $297 million in assets at June 30, 2026, up 3.7% from a year earlier. It grew its loan book 24.3% over the year, 4.4 times the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets. It also returns 19.5% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Earnings jumped: net income for the quarter was $1.2 million, 92% above the same quarter a year earlier. Over the same year, loans grew 24.3% and deposits grew 2.2%.
As of June 30, 2026, First National Bank of Commerce reported a return on assets of 1.59%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.95%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, First National Bank of Commerce is the 52nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.8% to $296.6M, loans rose 5.4% and deposits fell 4.6%. 1-4 family residential loans made up 32.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.3%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in AR; its Walnut Ridge office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Commerce meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 206 W Main St, Walnut Ridge, AR 72476
- County
- Lawrence
- 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 27, 1919
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $268.8M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $313.0M
- Average total loans
- $154.0M
- Average interest-bearing deposits
- $225.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3896
- Fed RSSD
- 799948
- Website
- www.firstnb.bank →
- Parent Holding Company
- FIRST NATIONAL CAPITAL CORPORATION (RSSD 3288425)
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 National Bank of Commerce 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 National Bank of Commerce's total assets ranged from $262.2M (Q3 2023) to $308.4M (Q1 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
$296.6M total assets against $285.9M; $270.2M total liabilities against $264.9M.
$156.4M net loans and leases against $125.9M; $268.8M total deposits against $263.0M.
$107.4M securities against $124.0M; $11.1M cash and balances due against $15.7M.
$3.8M total interest income against $3.3M; $880K total interest expense against $1.0M.
$2.9M net interest income against $2.3M.
$396K total noninterest income against $390K; $2.0M total noninterest expense against $2.0M.
$0 provision for credit losses against $0.
$1.2M net income against $647K.
1.59% return on assets against 0.87%; 4.07% net interest margin against 3.43%.
10.65% tier 1 leverage ratio against 10.29%.
Inside the full First National Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Commerce rankings
Its closest position to the top of a national ranking is 1,127 of 3,611, for ROA; its furthest is 2,706 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 1.59% (Q2 2026) and its net interest margin ran from 3.14% (Q3 2024) to 4.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.65% | 1.59% | 0.17% | 0.95% | 4.07% |
| Q1 2026 | 10.23% | 1.34% | 0.25% | 1.44% | 3.83% |
| Q4 2025 | 10.45% | 1.55% | 0.31% | 1.62% | 3.77% |
| Q3 2025 | 10.45% | 0.83% | 0.37% | 2.02% | 3.61% |
| Q2 2025 | 10.29% | 0.87% | 0.16% | 0.94% | 3.43% |
| Q1 2025 | 10.17% | 0.78% | 0.26% | 1.43% | 3.35% |
| Q4 2024 | 10.15% | 1.37% | 0.28% | 1.59% | 3.37% |
| Q3 2024 | 10.02% | 0.72% | 0.23% | 1.24% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 of Commerce (main office) | Walnut Ridge , AR | 72476 | $116.2M |
| Pocahontas Branch | Pocahontas , AR | 72455 | $82.0M |
| Imboden Branch | Imboden , AR | 72434 | $35.1M |
| Bono Branch | Bono , AR | 72416 | $17.8M |
| Pocahontas Thomasville Branch | Pocahontas , AR | 72455 | $15.4M |
| Hoxie Branch | Hoxie , AR | 72433 | $2.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 27, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AR, rank 61 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 107 applications, 67 loans originated, $13.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 of Commerce
What are First National Bank of Commerce's total assets?
As of the Q2 2026 filing, First National Bank of Commerce reported total assets of $296.6 million in its FFIEC call report.
Where is First National Bank of Commerce headquartered?
It is headquartered in Walnut Ridge, AR, United States.
When was First National Bank of Commerce founded?
It was established in 1919, per the FDIC institution directory.
Is First National Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3896). 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 of Commerce?
First National Bank of Commerce's primary federal regulator is the OCC.
How many branches does First National Bank of Commerce operate?
It operates 6 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 of Commerce's Texas Ratio?
Its Texas Ratio is 0.95% 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.
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