FNBC Bank: 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.
Deposits to assets climbed 1.72 percentage points in Q2 2026, from 81.78% to 83.50%. It was the largest change from Q1 2026 among the key lines here. FNBC Bank ranks 22nd of 78 Arkansas banks on return on assets, in the upper half at 1.64% (Q2 2026). FNBC Bank reported 1.64% on return on assets for Q2 2026, 0.39 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.44% |
| Tier 1 risk-based capital ratio | 12.44% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 9.68% |
| Equity capital to assets | 8.14% |
| Tangible equity to tangible assets | 7.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.83% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 6.62% |
| Allowance for credit losses to loans | 1.92% |
| Reserve coverage of non-performing loans | 231.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 21.40% |
| Net interest margin | 4.47% |
| Efficiency ratio | 58.68% |
| Yield on earning assets | 6.33% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.24% |
| Core deposits to total deposits | 89.92% |
| Brokered deposits to total deposits | 11.05% |
| Deposits to assets | 83.50% |
| Securities to assets | 22.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.66% | 11.66% | 12.92% | 9.08% | 0.43% |
| Q4 2023 | 11.09% | 11.09% | 12.35% | 8.55% | 0.65% |
| Q1 2024 | 10.90% | 10.90% | 12.16% | 8.55% | 0.35% |
| Q2 2024 | 11.00% | 11.00% | 12.26% | 8.67% | 0.79% |
| Q3 2024 | 10.88% | 10.88% | 12.13% | 9.09% | 1.04% |
| Q4 2024 | 11.41% | 11.41% | 12.66% | 8.92% | 1.07% |
| Q1 2025 | 11.68% | 11.68% | 12.93% | 9.14% | 1.02% |
| Q2 2025 | 11.89% | 11.89% | 13.14% | 9.42% | 1.62% |
| Q3 2025 | 11.80% | 11.80% | 13.06% | 9.36% | 1.37% |
| Q4 2025 | 11.51% | 11.51% | 12.77% | 9.14% | 1.28% |
| Q1 2026 | 12.10% | 12.10% | 13.36% | 9.48% | 1.49% |
| Q2 2026 | 12.44% | 12.44% | 13.70% | 9.68% | 1.64% |
FNBC Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC Bank, 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 FNBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1294) · FFIEC NIC profile (RSSD 100843)