First National Bank of Commerce: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 45.36 percentage points higher than in Q1 2026, at 276.88%. Within Arkansas, First National Bank of Commerce is 24th of 78 on return on assets, 1.59% as of Q2 2026, above the middle of the field. First National Bank of Commerce reported 1.59% on return on assets for Q2 2026, 0.33 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 276.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 19.47% |
| Net interest margin | 4.07% |
| Efficiency ratio | 61.28% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.73% |
| Core deposits to total deposits | 87.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.61% |
| Securities to assets | 36.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.34% | 0.83% | 3.12% | 0.15% | -0.12% |
| Q4 2023 | 10.17% | 1.01% | 2.99% | 0.20% | 0.00% |
| Q1 2024 | 9.93% | 0.83% | 2.80% | 0.19% | 0.03% |
| Q2 2024 | 9.94% | 0.54% | 2.98% | 0.17% | 1.15% |
| Q3 2024 | 10.02% | 0.72% | 3.14% | 0.23% | 0.01% |
| Q4 2024 | 10.15% | 1.37% | 3.37% | 0.28% | 0.00% |
| Q1 2025 | 10.17% | 0.78% | 3.35% | 0.26% | 0.40% |
| Q2 2025 | 10.29% | 0.87% | 3.43% | 0.38% | 0.06% |
| Q3 2025 | 10.45% | 0.83% | 3.61% | 0.57% | -0.01% |
| Q4 2025 | 10.45% | 1.55% | 3.77% | 0.49% | 0.12% |
| Q1 2026 | 10.23% | 1.34% | 3.83% | 0.43% | -0.02% |
| Q2 2026 | 10.65% | 1.59% | 4.07% | 0.34% | 0.04% |
First National Bank of Commerce vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Commerce, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3896) · FFIEC NIC profile (RSSD 799948)