First National Bank of Izard County: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Izard County is an FDIC-insured commercial bank. On its most recent Q3 2026 call report, First National Bank of Izard County reported $236M in total assets against $161M in deposits. Profitability is strong, 2.68% ROA, paired with 8.91% ROE and a 5.09% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 31.88% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 2.13%. It operates 5 branches, primarily in Arkansas.
As of September 30, 2026, First National Bank of Izard County reported a Tier 1 leverage ratio of 31.88%, a return on assets of 2.68%, a nonperforming-loan ratio of 2.13%, a Texas ratio of 3.61%, per financial data filed with the FFIEC.
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)
- Offices
- 5 domestic
- Employees (FTE)
- 38
- Domestic deposits
- $160.8M
- Allowance for credit losses
- $959K
- Net charge-offs (YTD)
- $106K
- Average total assets
- $237.7M
- Average total loans
- $117.6M
- Average interest-bearing deposits
- $112.1M
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 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 First National Bank of Izard County terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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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.
Metric pages for First National Bank of Izard County: ROA.
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 |
|---|---|---|---|---|---|
| Q3 2026 | 31.88% | 2.68% | 2.13% | 3.61% | 5.09% |
| 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% |
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 5 branches →
| 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
What the public regulatory sources show for First National Bank of Izard County, 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
- 0.1% of deposits in AR, rank 78 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 First National Bank of Izard County
What are First National Bank of Izard County's total assets?
As of the Q3 2026 filing, First National Bank of Izard County reported total assets of $235.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Izard County headquartered?
First National Bank of Izard County is headquartered in Calico Rock, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Izard County founded?
First National Bank of Izard County was established in 1914, per the FDIC institution directory.
Is First National Bank of Izard County FDIC-insured?
Yes. First National Bank of Izard County 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank of Izard County operate?
First National Bank of Izard County 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?
First National Bank of Izard County's Texas Ratio is 3.61% in its Q3 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.
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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