FNBC Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Ash Flat, AR, FNBC Bank serves its local market as an FDIC-insured commercial bank. Total assets stand at $843M. The bank posts a strong 1.64% ROA and 21.40% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 12.44% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.83% NPL ratio. FNBC operates a 17-branch network.
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 0.83%, a Texas ratio of 6.62%, per financial data filed with the FFIEC.
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)
- Offices
- 17 domestic
- Employees (FTE)
- 125
- Domestic deposits
- $704.1M
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- $189K
- 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
Capital & Liquidity
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.
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 FNBC Bank 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.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.44% | 1.64% | 0.83% | 6.62% | 4.47% |
| Q1 2026 | 12.10% | 1.49% | 0.82% | 7.02% | 4.22% |
| Q4 2025 | 11.51% | 1.28% | 0.63% | 5.32% | 4.30% |
| Q3 2025 | 11.80% | 1.37% | 1.32% | 10.76% | 4.25% |
| Q2 2025 | 11.89% | 1.62% | 0.50% | 4.40% | 4.48% |
| Q1 2025 | 11.68% | 1.02% | 0.58% | 5.18% | 3.90% |
| Q4 2024 | 11.41% | 1.07% | 0.66% | 5.97% | 3.75% |
| Q3 2024 | 10.88% | 1.04% | 0.49% | 3.97% | 3.58% |
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 16 branches →
| 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
What the public regulatory sources show for FNBC Bank, 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
- 0.6% 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.
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is FNBC Bank headquartered?
FNBC Bank is headquartered in Ash Flat, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was FNBC Bank founded?
FNBC Bank was established in 1912, per the FDIC institution directory.
Is FNBC Bank FDIC-insured?
Yes. FNBC Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is FNBC Bank's CET1 capital ratio?
FNBC Bank 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?
FNBC Bank 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?
FNBC Bank's Texas Ratio is 6.62% 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.
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.
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