FNBC Bank
BankRegReports is independent of FNBC Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
FNBC Bank is an FDIC-insured commercial bank headquartered in Ash Flat, AR, established in 1912 (FDIC certificate 1294), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $843.3M, up 3.7% from Q2 2025, the 28th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 12.44% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1294
- Headquarters
- Ash Flat, AR
- Established
- 1912
- Total assets, Q2 2026
- $843.3M
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 12.44%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 082904991
- Holding company
- FNBC BANCORP INC
- Asset rank in state
- 28th of 78 in Arkansas
FNBC Bank is one of the more profitable banks of its size. Its balance sheet stood at $843 million at June 30, 2026, up 3.7% from a year earlier; it is based in Ash Flat, Arkansas. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also lost 1.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%). A wide margin does most of the work: it keeps 4.47 cents of net interest income on every dollar of earning assets.
Loans and deposits moved in opposite directions: over the year loans rose 8.7% and deposits fell 1.2%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.79% of loans from 0.50% a year earlier. Where it has less room is capital: it holds common equity equal to 12.44% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, FNBC Bank reported a CET1 capital ratio of 12.44%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 6.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FNBC Bank is the 28th largest of the 78 banks headquartered in Arkansas. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $843.3M, loans rose 1.0% and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.3%. The FDIC Summary of Deposits lists 16 offices for it, in 13 cities across 2 states; its Ash Flat 3 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, FNBC Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 636 Ash Flat Dr, Ash Flat, AR 72513
- County
- Sharp
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Former names
- First National Banking Company (2003-2014)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $704.1M
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- $189K
- Average total assets
- $864.3M
- Average total loans
- $613.2M
- Average interest-bearing deposits
- $517.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1294
- Fed RSSD
- 100843
- SEC CIK
- 1787128 → filed by FNBC BANCORP INC
- Website
- www.fnbc.us →
- Parent Holding Company
- FNBC BANCORP INC (RSSD 1099690)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FNBC Bank's total assets ranged from $764.0M (Q3 2023) to $852.5M (Q4 2025), 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
$843.3M total assets against $813.2M; $774.7M total liabilities against $757.1M.
$602.5M net loans and leases against $554.2M; $704.1M total deposits against $712.6M.
$188.7M securities against $208.2M; $13.3M cash and balances due against $13.1M.
$12.9M total interest income against $12.8M; $3.9M total interest expense against $4.1M.
$9.1M net interest income against $8.7M.
$1.2M total noninterest income against $1.8M; $6.3M total noninterest expense against $6.9M.
$300K provision for credit losses against $150K.
$3.5M net income against $3.4M.
1.64% return on assets against 1.62%; 4.47% net interest margin against 4.48%.
12.44% CET1 capital ratio against 11.89%; 9.68% tier 1 leverage ratio against 9.42%.
Inside the full FNBC Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNBC Bank rankings
Its closest position to the top of a national ranking is 1,014 of 3,611, for ROA; its furthest is 1,569 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q1 2025) to 1.64% (Q2 2026) and its net interest margin ran from 3.58% (Q3 2024) to 4.48% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.44% | 1.64% | 0.79% | 6.34% | 4.47% |
| Q1 2026 | 12.10% | 1.49% | 0.82% | 7.00% | 4.22% |
| Q4 2025 | 11.51% | 1.28% | 0.63% | 5.31% | 4.30% |
| Q3 2025 | 11.80% | 1.37% | 1.31% | 10.75% | 4.25% |
| Q2 2025 | 11.89% | 1.62% | 0.50% | 4.38% | 4.48% |
| Q1 2025 | 11.68% | 1.02% | 0.57% | 5.16% | 3.90% |
| Q4 2024 | 11.41% | 1.07% | 0.65% | 5.95% | 3.75% |
| Q3 2024 | 10.88% | 1.04% | 0.49% | 3.97% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| FNBC Bank (main office) | Ash Flat , AR | 72513 | $164.5M |
| Fnbc Bank Jonesboro Branch | Jonesboro , AR | 72401 | $97.0M |
| Melbourne Branch | Melbourne , AR | 72556 | $90.2M |
| Salem Branch | Salem , AR | 72576 | $39.6M |
| Mountain Home Branch | Mountain Home , AR | 72653 | $39.6M |
| West Plains Northway Branch | West Plains , MO | 65775 | $39.3M |
| Mountain Home West Branch | Mountain Home , AR | 72653 | $39.0M |
| Hardy Branch | Hardy , AR | 72542 | $36.6M |
| Highland Branch | Highland , AR | 72542 | $34.8M |
| Cherokee Village Branch | Cherokee Village , AR | 72529 | $29.9M |
| Mammoth Spring Branch | Mammoth Spring , AR | 72554 | $29.9M |
| Batesville Branch | Batesville , AR | 72501 | $27.0M |
| Horseshoe Bend Branch | Horseshoe Bend , AR | 72512 | $21.4M |
| Mountain Grove Branch | Mountain Grove , MO | 65711 | $13.9M |
| Www.Fnbc.Us Branch | Ash Flat , AR | 72513 | $1.4M |
| Mobile Branch #1 | Ash Flat , AR | 72513 | $1K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in AR, rank 34 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 260 applications, 224 loans originated, $57.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $7.2M approved, $603K 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
Add this badge to your website
Free to use. It shows FNBC Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about FNBC Bank
What are FNBC Bank's total assets?
As of the Q2 2026 filing, FNBC Bank reported total assets of $843.3 million in its FFIEC call report.
Where is FNBC Bank headquartered?
It is headquartered in Ash Flat, AR, United States.
When was FNBC Bank founded?
It was established in 1912, per the FDIC institution directory.
Is FNBC Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1294). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNBC Bank?
FNBC Bank's primary federal regulator is the Federal Reserve.
What is FNBC Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does FNBC Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNBC Bank's Texas Ratio?
Its Texas Ratio is 6.34% 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 FNBC Bank previously called?
The charter now named FNBC Bank has also operated as First National Banking Company (2003-2014), per FDIC structure-change records.
Go deeper on FNBC Bank.
Get an email when FNBC Bank files its next call report, and benchmark it against any peer you choose.
Unlock FNBC Bank, freeFree account