Total Assets
$393M
Total balance-sheet footings
FDIC Cert #19070 · Clarksdale, Mississippi · Est. 1964
First National Bank of Clarksdale - FDIC Bank Health Profile
A community-scale look at First National Bank of Clarksdale's own numbers, pulled straight from its quarterly FDIC Call Report.
- $393M
- Total assets
- B
- Health grade · Good
- 0.88%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of Clarksdale earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.56% Tier 1, 0.88% ROA, 67% efficiency ratio.
- #2,103
- largest of 4,313 FDIC banks by assets
- 51st
- percentile by asset size, nationally
- 12.56%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First National Bank of Clarksdale's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of Clarksdale's composite health score
Tier 1 Capital Ratio (12.56%) 35/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (3.79%) 20/20
Efficiency Ratio (67.41%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$351M
Customer-funded liabilities
Net Loans
$246M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of Clarksdale ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Clarksdale's score of 77/100 falls in the highlighted band.
First National Bank of Clarksdale's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of Clarksdale's $393M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.56%
Texas Ratio
3.79%
Equity Capital
$39M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
8.85%
Efficiency Ratio
67.41%
What the numbers say about First National Bank of Clarksdale
First National Bank of Clarksdale is an FDIC-insured institution (Certificate #19070) headquartered in Clarksdale, Mississippi, established in 1964. It holds $393M in total assets - 2,103rd of 4,313 FDIC-insured banks, $351M in customer deposits, and $246M in net loans. Looking at capital strength, Tier 1 stands at 12.56%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.79%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Mississippi, First National Bank of Clarksdale ranks 30th of 57 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Clarksdale reports a Texas Ratio of 3.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Clarksdale (FDIC Cert #19070) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is First National Bank of Clarksdale's health grade?▼
First National Bank of Clarksdale receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank of Clarksdale?▼
First National Bank of Clarksdale holds $393M in total assets and $351M in deposits, ranking 2,103rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Clarksdale, Mississippi.
Is my money safe at First National Bank of Clarksdale?▼
Yes, deposits at First National Bank of Clarksdale (Certificate #19070) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Clarksdale's Tier 1 Capital Ratio?▼
First National Bank of Clarksdale has a Tier 1 Capital Ratio of 12.56%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank of Clarksdale?▼
First National Bank of Clarksdale has a Texas Ratio of 3.79%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of Clarksdale?▼
First National Bank of Clarksdale has an Efficiency Ratio of 67.41%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Clarksdale's profile as a depositor or analyst.
- First National Bank of Clarksdale's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Clarksdale against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.