Branch Network
FNBC Bank Locations & Branches Ash Flat, Arkansas
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FNBC Bank operates 16 branches from its headquarters in Ash Flat, AR, .
FNBC Bank branch network
Its 16 branches span 2 states and 13 cities. The most are in ARKANSAS (14) and MISSOURI (2). ARKANSAS holds 92.4% of its branch deposits. Ash Flat, AR has the most of its branches, 3. Its largest office by deposits is its main office in Ash Flat, AR, with $164.5M (23.4% of its branch deposits). It had the same number of branches on June 30, 2025.
FNBC Bank at a glance
Its CET1 capital ratio was 12.44% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $843.3M
- CET1 ratio, Q2 2026
- 12.44%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1912
Full financial profile · Is FNBC Bank safe? · FNBC Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ash Flat, AR (3 branches) | 1 of 1 | 100.0% | $166.0M |
| State: AR (14 branches) | 34 of 108 | 0.6% | $650.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Arkansas.
Share by county and metro area
FNBC Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Sharp, AR (6 branches) | 1 of 4 | 52.8% | $267.3M | $505.9M |
| Izard, AR (2 branches) | 2 of 3 | 35.0% | $111.5M | $318.2M |
| Craighead, AR (1 branch) | 15 of 24 | 2.3% | $97.0M | $4.26B |
| Baxter, AR (2 branches) | 7 of 10 | 4.8% | $78.6M | $1.63B |
| Fulton, AR (2 branches) | 2 of 3 | 23.3% | $69.5M | $297.9M |
| Howell, MO (1 branch) | 7 of 8 | 2.8% | $39.3M | $1.41B |
| Independence, AR (1 branch) | 7 of 8 | 1.5% | $27.0M | $1.84B |
| Wright, MO (1 branch) | 9 of 9 | 2.4% | $13.9M | $574.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Batesville, AR (7 branches) | 3 of 8 | 12.5% | $294.3M | $2.35B |
| Jonesboro, AR (1 branch) | 18 of 25 | 2.1% | $97.0M | $4.72B |
| Mountain Home, AR (2 branches) | 7 of 10 | 4.8% | $78.6M | $1.63B |
| West Plains, MO (1 branch) | 7 of 8 | 2.8% | $39.3M | $1.41B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1294) · FFIEC NIC profile (RSSD 100843)