First National Bank of Eastern Arkansas
Also written as FNB of Eastern Arkansas
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Eastern Arkansas is an FDIC-insured commercial bank headquartered in Forrest City, AR, supervised by the OCC, with $589.5M in total assets at Q2 2026, up 3.7% from Q2 2025, the 35th largest of 78 banks headquartered in Arkansas. It was established in 1886 and holds FDIC certificate 3863. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.95% 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
- 3863
- Headquarters
- Forrest City, AR
- Established
- 1886
- Total assets, Q2 2026
- $589.5M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 10.95%
- Domestic offices
- 15 · First National Bank of Eastern Arkansas branches FDIC institution directory, current count
- Routing number
- 084101417
- Safety and soundness
- Is First National Bank of Eastern Arkansas safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Eastern Arkansas Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- BANCSHARES OF EASTERN ARKANSAS, INC.
- Asset rank in state
- 35th of 78 in Arkansas
Little in First National Bank of Eastern Arkansas's latest call report stands out. It reported $589 million in assets at June 30, 2026, up 3.7% from a year earlier. On most measures it sits near the middle of the 2,627 banks with $100 million to $1 billion in assets.
The commercial and industrial book ($59 million) is worsening: 4.07% of it is past due or on nonaccrual, up from 0.73% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.64% of loans from 0.36% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, First National Bank of Eastern Arkansas reported a return on assets of 1.22%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 3.45%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, First National Bank of Eastern Arkansas is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.1% to $589.5M, loans rose 3.1% and deposits fell 4.1%. Non-owner-occupied commercial real estate loans made up 25.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.7%. The FDIC Summary of Deposits lists 15 offices for it, in 13 cities across 2 states; its Forrest City 3 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Eastern Arkansas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Washington St, Forrest City, AR 72335
- County
- St. Francis
- Metro Area
- Forrest City, 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
- November 1, 1886
- Former names
- The National Bank of Eastern Arkansas of Forrest City (1963)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $520.3M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $316K
- Average total assets
- $606.4M
- Average total loans
- $367.6M
- Average interest-bearing deposits
- $344.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3863
- Fed RSSD
- 251745
- Website
- www.fnbea.com →
- Parent Holding Company
- BANCSHARES OF EASTERN ARKANSAS, INC. (RSSD 1099449)
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 Eastern Arkansas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Eastern Arkansas's total assets moved between a low of $537.0M (Q3 2023) and a high of $614.9M (Q1 2026) from Q3 2023 to 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
$589.5M total assets against $568.6M; $525.3M total liabilities against $507.5M.
$370.7M net loans and leases against $354.6M; $520.3M total deposits against $502.3M.
$138.5M securities against $134.7M; $66.3M cash and balances due against $65.4M.
$7.8M total interest income against $7.2M; $2.0M total interest expense against $2.0M.
$5.7M net interest income against $5.2M.
$430K total noninterest income against $459K; $3.8M total noninterest expense against $3.4M.
$600K provision for credit losses against $300K.
$1.9M net income against $1.9M.
1.22% return on assets against 1.34%; 3.99% net interest margin against 3.85%.
10.95% tier 1 leverage ratio against 11.27%.
Inside the full First National Bank of Eastern Arkansas 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 of Eastern Arkansas rankings
Its closest position to the top of a national ranking is 1,571 of 4,196, for total assets; its furthest is 1,961 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q1 2026) to 1.72% (Q3 2025) and its net interest margin ran from 3.73% (Q1 2025) to 4.18% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.95% | 1.22% | 0.64% | 3.45% | 3.99% |
| Q1 2026 | 11.19% | 1.07% | 0.10% | 0.54% | 3.79% |
| Q4 2025 | 11.51% | 1.42% | 0.02% | 0.10% | 4.06% |
| Q3 2025 | 11.45% | 1.72% | 0.07% | 0.38% | 4.18% |
| Q2 2025 | 11.27% | 1.34% | 0.36% | 1.99% | 3.85% |
| Q1 2025 | 11.05% | 1.18% | 0.03% | 0.14% | 3.73% |
| Q4 2024 | 11.07% | 1.20% | 0.10% | 0.51% | 3.75% |
| Q3 2024 | 11.20% | 1.33% | 0.13% | 2.20% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| North Washington Branch | Forrest City , AR | 72335 | $93.4M |
| First National Bank of Eastern Arkansas (main office) | Forrest City , AR | 72335 | $76.3M |
| Izard Street Branch | Forrest City , AR | 72335 | $72.2M |
| Marianna Branch | Marianna , AR | 72360 | $57.0M |
| Marion Branch | Marion , AR | 72364 | $50.9M |
| Palestine Branch | Palestine , AR | 72372 | $32.6M |
| Osceola Branch of First National Bank of Eastern Arkansas | Osceola , AR | 72370 | $30.0M |
| Wheatley Branch | Wheatley , AR | 72392 | $21.5M |
| Colt Branch | Colt , AR | 72326 | $20.8M |
| Wynne Branch | Wynne , AR | 72396 | $18.3M |
| Holly Grove Branch | Holly Grove , AR | 72069 | $15.2M |
| Collierville Branch | Collierville , TN | 38017 | $10.1M |
| Memphis Branch | Memphis , TN | 38120 | $9.5M |
| Earle Branch | Earle , AR | 72331 | $8.6M |
| Hughes Branch | Hughes , AR | 72348 | $3.7M |
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 |
|---|---|---|---|
| February 16, 1994 | Structure Change | Acquired Wynne Banc FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 30, 1988 | Structure Change | Acquired Farmers and Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 19, 1983 | Structure Change | Acquired Rice Growers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 19, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 0.5% of deposits in AR, rank 40 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 98 loans originated, $12.0M 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 2016 (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 of Eastern Arkansas
What are First National Bank of Eastern Arkansas's total assets?
As of the Q2 2026 filing, First National Bank of Eastern Arkansas reported total assets of $589.5 million in its FFIEC call report.
Where is First National Bank of Eastern Arkansas headquartered?
It is headquartered in Forrest City, AR, United States.
When was First National Bank of Eastern Arkansas founded?
It was established in 1886, per the FDIC institution directory.
Is First National Bank of Eastern Arkansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3863). 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 Eastern Arkansas?
First National Bank of Eastern Arkansas's primary federal regulator is the OCC.
How many branches does First National Bank of Eastern Arkansas operate?
It operates 15 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 Eastern Arkansas's Texas Ratio?
Its Texas Ratio is 3.45% 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 of Eastern Arkansas previously called?
The charter now named First National Bank of Eastern Arkansas has also operated as The National Bank of Eastern Arkansas of Forrest City (1963), per FDIC structure-change records.
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