The First National Bank of Fort Smith: 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: 336.85 percentage points lower than in Q1 2026, at 414.42%. Within Arkansas, The First National Bank of Fort Smith is 9th of 78 on return on assets, 2.03% as of Q2 2026, above the middle of the field. The First National Bank of Fort Smith's return on assets of 2.03% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.08% |
| Equity capital to assets | 12.26% |
| Tangible equity to tangible assets | 10.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 2.65% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 414.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.03% |
| Return on equity | 16.70% |
| Net interest margin | 4.38% |
| Efficiency ratio | 47.38% |
| Yield on earning assets | 5.83% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.49% |
| Core deposits to total deposits | 94.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.00% |
| Securities to assets | 20.18% |
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 | 11.20% | 1.69% | 4.06% | 0.19% | -0.00% |
| Q4 2023 | 11.06% | 1.35% | 4.03% | 0.17% | 0.03% |
| Q1 2024 | 11.23% | 1.68% | 3.94% | 0.18% | 0.02% |
| Q2 2024 | 11.34% | 1.79% | 4.08% | 0.20% | 0.00% |
| Q3 2024 | 11.74% | 1.72% | 4.12% | 0.30% | 0.01% |
| Q4 2024 | 11.78% | 1.53% | 4.20% | 0.06% | 0.13% |
| Q1 2025 | 12.15% | 1.93% | 4.16% | 0.06% | -0.03% |
| Q2 2025 | 11.65% | 1.84% | 4.27% | 0.14% | 0.04% |
| Q3 2025 | 12.02% | 1.78% | 4.39% | 0.19% | -0.10% |
| Q4 2025 | 11.17% | 1.89% | 4.33% | 0.17% | -0.00% |
| Q1 2026 | 11.32% | 2.01% | 4.41% | 0.19% | 0.02% |
| Q2 2026 | 11.08% | 2.03% | 4.38% | 0.35% | 0.05% |
The First National Bank of Fort Smith vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fort Smith, 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 The First National Bank of Fort Smith profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3864) · FFIEC NIC profile (RSSD 397540)