The First National Bank of Fort Smith: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Fort Smith of Fort Smith, AR against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.03% | 1.46% | +0.57% | 88th top |
| ROAE | 16.70% | 12.71% | +3.99% | 80th top |
| Net Interest Margin | 4.38% | 3.85% | +0.53% | 85th top |
| Efficiency Ratio | 47.38% | 57.41% | -10.03% | 81st top |
| PPNR / Avg Assets | 2.71% | 1.88% | +0.83% | 91st top |
| Yield on Earning Assets | 5.83% | 5.72% | +0.11% | 67th above |
| Cost of Funds | 1.39% | 2.02% | -0.63% | 84th top |
| Net Interest Spread | 3.62% | 3.18% | +0.44% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 1.00% | -0.65% | 69th above |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 43rd below |
| ACL / Total Loans | 1.43% | 1.31% | +0.12% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 414.42% | 543.47% | -129.05% | 78th top |
| Texas Ratio | 2.65% | 7.39% | -4.74% | 71st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 400.00% | 618.83% | -218.83% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.08% | 11.44% | -0.36% | 62nd above |
| Equity / Assets | 12.26% | 11.33% | +0.93% | 78th top |
| TCE / Tangible Assets | 10.98% | 10.50% | +0.48% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.49% | 86.96% | -8.47% | 73rd above |
| Core Deposit Ratio | 94.49% | 85.55% | +8.94% | 82nd top |
| Uninsured Deposit Ratio | 35.57% | 33.12% | +2.45% | 37th below |
| Wholesale Funding Ratio | 0.02% | 5.71% | -5.69% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.89% | 9.69% | -8.80% | 21st bottom |
| Loan Growth (Y/Y) | -0.07% | 8.06% | -8.13% | 17th bottom |
| Deposit Growth (Y/Y) | 2.17% | 7.87% | -5.70% | 31st below |
See The First National Bank of Fort Smith's peers by name
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Unlock The First National Bank of Fort Smith, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Fort Smith profile, how to read a UBPR, or how this data updates.