The First National Bank of Fort Smith: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Fort Smith is the primary bank subsidiary of its parent holding company, headquartered in Fort Smith, AR. As of Q2 2026, the bank held approximately $2.3B in total assets and $2.0B in deposits. The bank posts a strong 2.03% ROA and 16.70% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.08% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.35%. The First National Bank of Fort Smith operates a 26-branch network.
As of June 30, 2026, The First National Bank of Fort Smith reported a Tier 1 leverage ratio of 11.08%, a return on assets of 2.03%, a nonperforming-loan ratio of 0.35%, a Texas ratio of 2.65%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 602 Garrison Ave, Fort Smith, AR 72901
- County
- Sebastian
- Metro Area
- Fort Smith, AR-OK
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 29, 1872
- Offices
- 26 domestic
- Employees (FTE)
- 373
- Domestic deposits
- $2.01B
- Allowance for credit losses
- $22.6M
- Net charge-offs (YTD)
- $250K
- Average total assets
- $2.34B
- Average total loans
- $1.56B
- Average interest-bearing deposits
- $1.66B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3864
- Fed RSSD
- 397540
- Website
- www.fnbfs.com →
- Parent Holding Company
- FIRST BANK CORP (RSSD 1491360)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of Fort Smith terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The First National Bank of Fort Smith, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The First National Bank of Fort Smith rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 2.03% | 0.35% | 2.65% | 4.38% |
| Q1 2026 | 11.32% | 2.01% | 0.19% | 1.60% | 4.41% |
| Q4 2025 | 11.17% | 1.89% | 0.17% | 1.56% | 4.33% |
| Q3 2025 | 12.02% | 1.78% | 0.19% | 1.41% | 4.39% |
| Q2 2025 | 11.65% | 1.84% | 0.14% | 1.23% | 4.27% |
| Q1 2025 | 12.15% | 1.93% | 0.06% | 1.48% | 4.16% |
| Q4 2024 | 11.78% | 1.53% | 0.06% | 1.41% | 4.20% |
| Q3 2024 | 11.74% | 1.72% | 0.30% | 2.22% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 26 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Fort Smith | Fort Smith , AR | 72901 | $557.5M |
| Poteau Branch | Poteau , OK | 74953 | $183.9M |
| Brooken Hill Branch | Fort Smith , AR | 72916 | $137.5M |
| Stonewood Branch | Fort Smith , AR | 72903 | $106.9M |
| Sallisaw Branch | Sallisaw , OK | 74955 | $94.2M |
| Central Mall Branch | Fort Smith , AR | 72903 | $85.6M |
| Pinnacle Branch | Rogers , AR | 72758 | $78.1M |
| Dixieland Branch | Rogers , AR | 72756 | $75.9M |
| Chaffee Crossing Branch | Fort Smith , AR | 72903 | $69.9M |
| Cornerstone Branch | Fort Smith , AR | 72903 | $69.6M |
| Phoenix Branch | Fort Smith , AR | 72901 | $66.6M |
| Heavener Branch | Heavener , OK | 74937 | $48.8M |
| First National Bank of Nwa, Bentonville Branch | Bentonville , AR | 72712 | $47.5M |
| Sallisaw Drive-In Branch | Sallisaw , OK | 74955 | $42.7M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $41.1M |
| Lavaca Branch | Lavaca , AR | 72941 | $39.1M |
| Grand Avenue Branch | Fort Smith , AR | 72901 | $36.9M |
| Pocola Branch | Pocola , OK | 74902 | $36.9M |
| Greenwood Branch | Greenwood , AR | 72936 | $35.0M |
| Charleston Branch | Charleston , AR | 72933 | $32.2M |
| Midland Boulevard Branch | Fort Smith , AR | 72904 | $30.3M |
| Centerton Branch | Centerton , AR | 72719 | $27.7M |
| Stigler Branch | Stigler , OK | 74462 | $25.2M |
| Roland Branch | Roland , OK | 74954 | $20.5M |
| North Branch | Poteau , OK | 74953 | $12.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 5, 2022 | Structure Change | Acquired The Central National Bank of Poteau Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 8, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 8, 2014 | Structure Change | Acquired National Bank of Sallisaw Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Structure Change | Acquired Bank of Rogers Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 5, 1999 | Structure Change | Acquired River Valley Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for The First National Bank of Fort Smith, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in AR, rank 15 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 669 applications, 512 loans originated, $171.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of Fort Smith
What are The First National Bank of Fort Smith's total assets?
As of the Q2 2026 filing, The First National Bank of Fort Smith reported total assets of $2.31 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Fort Smith headquartered?
The First National Bank of Fort Smith is headquartered in Fort Smith, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The First National Bank of Fort Smith founded?
The First National Bank of Fort Smith was established in 1872, per the FDIC institution directory.
Is The First National Bank of Fort Smith FDIC-insured?
Yes. The First National Bank of Fort Smith is an FDIC-insured commercial bank (FDIC Certificate #3864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Fort Smith?
The First National Bank of Fort Smith's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The First National Bank of Fort Smith operate?
The First National Bank of Fort Smith operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Fort Smith's Texas Ratio?
The First National Bank of Fort Smith's Texas Ratio is 2.65% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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