First National Bank of Izard County
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Izard County is an FDIC-insured commercial bank headquartered in Calico Rock, AR, established in 1914 (FDIC certificate 11252), and it is supervised by the OCC. At Q2 2026 it reported total assets of $234.8M, up 5.1% from Q2 2025, the 61st largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 31.14% 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
- 11252
- Headquarters
- Calico Rock, AR
- Established
- 1914
- Total assets, Q2 2026
- $234.8M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 31.14%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082903057
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank of Izard County call report
- Holding company
- WYATT BANCSHARES, INC.
- Asset rank in state
- 61st of 78 in Arkansas
First National Bank of Izard County is one of the more profitable banks of its size. It reported $235 million in assets at June 30, 2026, up 5.1% from a year earlier. It earns about $2.73 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.09% of loans, down from 2.84% a year earlier. The non-owner-occupied commercial real estate book ($12 million) is worsening: 5.99% of it is past due or on nonaccrual, up from 2.18% a year earlier.
As of June 30, 2026, First National Bank of Izard County reported a return on assets of 2.73%, a nonperforming-loan ratio of 2.09% and a Texas ratio of 3.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Izard County is the 61st largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $234.8M, loans rose 0.9% and deposits fell 1.8%. 1-4 family residential loans made up 39.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.0%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in AR; its Calico Rock office books 36% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Izard County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2184 Ar 56 Hwy, Calico Rock, AR 72519
- County
- Izard
- 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
- —
- Call Report form
- FFIEC 041
- Established
- May 1, 1914
- Former names
- The First National Bank of Izard County (1988); First State Bank (1982-1986)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $160.0M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $238.2M
- Average total loans
- $115.7M
- Average interest-bearing deposits
- $113.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11252
- Fed RSSD
- 379649
- Website
- www.fnbizardcounty.com →
- Parent Holding Company
- WYATT BANCSHARES, INC. (RSSD 1246618)
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 Izard County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Izard County's total assets moved between a low of $200.7M (Q3 2023) and a high of $235.9M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$234.8M total assets against $223.3M; $163.5M total liabilities against $157.1M.
$115.6M net loans and leases against $111.8M; $160.0M total deposits against $154.0M.
$67.9M securities against $60.4M; $29.5M cash and balances due against $30.2M.
$3.3M total interest income against $3.0M; $577K total interest expense against $602K.
$2.7M net interest income against $2.4M.
$405K total noninterest income against $373K; $1.4M total noninterest expense against $1.4M.
$0 provision for credit losses against $800K.
$1.6M net income against $528K.
2.73% return on assets against 0.92%; 5.13% net interest margin against 4.75%.
31.14% tier 1 leverage ratio against 30.59%.
Inside the full First National Bank of Izard County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Izard County rankings
Its closest position to the top of a national ranking is 109 of 3,611, for ROA; its furthest is 2,776 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.23% (Q4 2024) to 3.00% (Q1 2026) and its net interest margin ran from 4.45% (Q1 2025) to 5.31% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.14% | 2.73% | 2.09% | 3.46% | 5.13% |
| Q1 2026 | 30.92% | 3.00% | 2.52% | 4.22% | 4.92% |
| Q4 2025 | 30.49% | 0.42% | 2.35% | 3.99% | 5.23% |
| Q3 2025 | 30.89% | 2.82% | 2.04% | 3.48% | 5.31% |
| Q2 2025 | 30.59% | 0.92% | 2.84% | 4.92% | 4.75% |
| Q1 2025 | 31.07% | 2.17% | 3.70% | 6.17% | 4.45% |
| Q4 2024 | 30.65% | -0.23% | 3.19% | 5.32% | 4.62% |
| Q3 2024 | 31.40% | 2.02% | 3.13% | 5.20% | 4.65% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Izard County | Calico Rock , AR | 72519 | $57.2M |
| Melbourne Branch | Melbourne , AR | 72556 | $54.3M |
| Mountain View Branch | Mountain View , AR | 72560 | $27.6M |
| Horseshoe Bend Branch | Horseshoe Bend , AR | 72512 | $11.6M |
| Mount Pleasant Branch | Mount Pleasant , AR | 72561 | $9.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AR, rank 78 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $204K approved, $204K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Izard County
What are First National Bank of Izard County's total assets?
As of the Q2 2026 filing, First National Bank of Izard County reported total assets of $234.8 million in its FFIEC call report.
Where is First National Bank of Izard County headquartered?
It is headquartered in Calico Rock, AR, United States.
When was First National Bank of Izard County founded?
It was established in 1914, per the FDIC institution directory.
Is First National Bank of Izard County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11252). 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 Izard County?
First National Bank of Izard County's primary federal regulator is the OCC.
How many branches does First National Bank of Izard County operate?
It operates 5 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 Izard County's Texas Ratio?
Its Texas Ratio is 3.46% 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 Izard County previously called?
The charter now named First National Bank of Izard County has also operated as The First National Bank of Izard County (1988), First State Bank (1982-1986), per FDIC structure-change records.
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