The First National Bank of Fort Smith
Also written as FNB of Fort Smith
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Fort Smith is an FDIC-insured commercial bank headquartered in Fort Smith, AR, established in 1872 (FDIC certificate 3864), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.31B, up 0.9% from Q2 2025, the 11th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.08% 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
- 3864
- Headquarters
- Fort Smith, AR
- Established
- 1872
- Total assets, Q2 2026
- $2.31B
- Assets vs Q2 2025
- +0.9%
- Tier 1 leverage ratio, Q2 2026
- 11.08%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 082900319
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Fort Smith Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST BANK CORP
- Asset rank in state
- 11th of 78 in Arkansas
The First National Bank of Fort Smith is one of the more profitable banks of its size. Based in Fort Smith, Arkansas, it had $2.3 billion in assets at June 30, 2026. It earns about $2.03 a year on every $100 of assets, higher than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 4.38 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
The commercial and industrial book ($171 million) is worsening: 1.40% of it is past due or on nonaccrual, up from 0.19% a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.44% of loans, against 0.21% a year earlier.
As of June 30, 2026, The First National Bank of Fort Smith reported a return on assets of 2.03%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Fort Smith is the 11th largest of the 78 banks headquartered in Arkansas. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $2.31B, loans fell 1.1% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 23.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.6%. The FDIC Summary of Deposits lists 26 offices for it, in 15 cities across 2 states; its Fort Smith 9 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Fort Smith meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 602 Garrison Ave, Fort Smith, AR 72901
- County
- Sebastian
- Metro Area
- Fort Smith, AR-OK
- 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 041
- Established
- February 29, 1872
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 373
- Domestic deposits
- $2.01B
- Allowance for credit losses
- $22.6M
- Net charge-offs (YTD)
- $250K
- Average total assets
- $2.34B
- Average total loans
- $1.56B
- Average interest-bearing deposits
- $1.66B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3864
- Fed RSSD
- 397540
- Website
- www.fnbfs.com →
- Parent Holding Company
- FIRST BANK CORP (RSSD 1491360)
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, The First National Bank of Fort Smith reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Fort Smith's total assets ran between $2.14B (Q3 2023) and $2.31B (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
$2.31B total assets against $2.29B; $2.03B total liabilities against $2.00B.
$1.56B net loans and leases against $1.56B; $2.01B total deposits against $1.97B.
$466.6M securities against $387.9M; $115.0M cash and balances due against $176.6M.
$31.5M total interest income against $30.9M; $7.8M total interest expense against $8.4M.
$23.7M net interest income against $22.5M.
$6.6M total noninterest income against $6.0M; $14.4M total noninterest expense against $13.5M.
$500K provision for credit losses against $1.5M.
$11.9M net income against $10.5M.
2.03% return on assets against 1.84%; 4.38% net interest margin against 4.27%.
11.08% tier 1 leverage ratio against 11.65%.
Inside the full The First National Bank of Fort Smith 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.
The First National Bank of Fort Smith rankings
Its closest position to the top of a national ranking is 454 of 3,611, for ROA; its furthest is 1,982 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.53% (Q4 2024) to 2.03% (Q2 2026) and its net interest margin ran from 4.12% (Q3 2024) to 4.41% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 2.03% | 0.44% | 2.65% | 4.38% |
| Q1 2026 | 11.32% | 2.01% | 0.27% | 1.60% | 4.41% |
| Q4 2025 | 11.17% | 1.89% | 0.26% | 1.56% | 4.33% |
| Q3 2025 | 12.02% | 1.78% | 0.25% | 1.41% | 4.39% |
| Q2 2025 | 11.65% | 1.84% | 0.21% | 1.23% | 4.27% |
| Q1 2025 | 12.15% | 1.93% | 0.25% | 1.48% | 4.16% |
| Q4 2024 | 11.78% | 1.53% | 0.24% | 1.41% | 4.20% |
| Q3 2024 | 11.74% | 1.72% | 0.24% | 1.33% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 26 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 |
|---|---|---|---|
| The First National Bank of Fort Smith | Fort Smith , AR | 72901 | $557.5M |
| Poteau Branch | Poteau , OK | 74953 | $183.9M |
| Brooken Hill Branch | Fort Smith , AR | 72916 | $137.5M |
| Stonewood Branch | Fort Smith , AR | 72903 | $106.9M |
| Sallisaw Branch | Sallisaw , OK | 74955 | $94.2M |
| Central Mall Branch | Fort Smith , AR | 72903 | $85.6M |
| Pinnacle Branch | Rogers , AR | 72758 | $78.1M |
| Dixieland Branch | Rogers , AR | 72756 | $75.9M |
| Chaffee Crossing Branch | Fort Smith , AR | 72903 | $69.9M |
| Cornerstone Branch | Fort Smith , AR | 72903 | $69.6M |
| Phoenix Branch | Fort Smith , AR | 72901 | $66.6M |
| Heavener Branch | Heavener , OK | 74937 | $48.8M |
| First National Bank of Nwa, Bentonville Branch | Bentonville , AR | 72712 | $47.5M |
| Sallisaw Drive-In Branch | Sallisaw , OK | 74955 | $42.7M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $41.1M |
| Lavaca Branch | Lavaca , AR | 72941 | $39.1M |
| Grand Avenue Branch | Fort Smith , AR | 72901 | $36.9M |
| Pocola Branch | Pocola , OK | 74902 | $36.9M |
| Greenwood Branch | Greenwood , AR | 72936 | $35.0M |
| Charleston Branch | Charleston , AR | 72933 | $32.2M |
| Midland Boulevard Branch | Fort Smith , AR | 72904 | $30.3M |
| Centerton Branch | Centerton , AR | 72719 | $27.7M |
| Stigler Branch | Stigler , OK | 74462 | $25.2M |
| Roland Branch | Roland , OK | 74954 | $20.5M |
| North Branch | Poteau , OK | 74953 | $12.3M |
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 |
|---|---|---|---|
| November 5, 2022 | Structure Change | Acquired The Central National Bank of Poteau Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 8, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 8, 2014 | Structure Change | Acquired National Bank of Sallisaw Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Structure Change | Acquired Bank of Rogers Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 5, 1999 | Structure Change | Acquired River Valley Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in AR, rank 15 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 669 applications, 512 loans originated, $171.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 The First National Bank of Fort Smith
What are The First National Bank of Fort Smith's total assets?
As of the Q2 2026 filing, The First National Bank of Fort Smith reported total assets of $2.31 billion in its FFIEC call report.
Where is The First National Bank of Fort Smith headquartered?
It is headquartered in Fort Smith, AR, United States.
When was The First National Bank of Fort Smith founded?
It was established in 1872, per the FDIC institution directory.
Is The First National Bank of Fort Smith FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Fort Smith?
The First National Bank of Fort Smith's primary federal regulator is the OCC.
How many branches does The First National Bank of Fort Smith operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Fort Smith's Texas Ratio?
Its Texas Ratio is 2.65% 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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