Total Assets
$2.3B
Total balance-sheet footings
FDIC Cert #3864 · Fort Smith, Arkansas · Est. 1872
The First National Bank of Fort Smith - FDIC Bank Health Profile
A community-scale look at The First National Bank of Fort Smith's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.3B
- Total assets
- A
- Health grade · Excellent
- 1.86%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Fort Smith earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.17% Tier 1, profitable at 1.86% ROA, efficient (50% cost ratio).
- #534
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 11.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- 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 The First National Bank of Fort Smith's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Fort Smith's composite health score
Tier 1 Capital Ratio (11.17%) 28/40
Return on Assets (ROA) (1.86%) 25/25
Texas Ratio (1.35%) 20/20
Efficiency Ratio (49.82%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.0B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$42M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Fort Smith ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Fort Smith's score of 88/100 falls in the highlighted band.
The First National Bank of Fort Smith'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). The First National Bank of Fort Smith's $2.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.17%
Texas Ratio
1.35%
Equity Capital
$282M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.86%
Return on Equity (ROE)
14.58%
Efficiency Ratio
49.82%
What the numbers say about The First National Bank of Fort Smith
The First National Bank of Fort Smith is an FDIC-insured institution (Certificate #3864) headquartered in Fort Smith, Arkansas, established in 1872. It holds $2.3B in total assets - 534th of 4,313 FDIC-insured banks, $2.0B in customer deposits, and $1.6B in net loans. On safety, its Tier 1 capital ratio of 11.17% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.35% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), 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 Arkansas, The First National Bank of Fort Smith ranks 11th of 78 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$123M
Interest Income
$25M
Non-Interest Income
$57M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Fort Smith reports a Texas Ratio of 1.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Fort Smith (FDIC Cert #3864) - 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 Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is The First National Bank of Fort Smith's health grade?▼
The First National Bank of Fort Smith receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The First National Bank of Fort Smith?▼
The First National Bank of Fort Smith holds $2.3B in total assets and $2.0B in deposits, ranking 534th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fort Smith, Arkansas.
Is my money safe at The First National Bank of Fort Smith?▼
Yes, deposits at The First National Bank of Fort Smith (Certificate #3864) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Fort Smith's Tier 1 Capital Ratio?▼
The First National Bank of Fort Smith has a Tier 1 Capital Ratio of 11.17%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The First National Bank of Fort Smith?▼
The First National Bank of Fort Smith has a Texas Ratio of 1.35%. 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 The First National Bank of Fort Smith?▼
The First National Bank of Fort Smith has an Efficiency Ratio of 49.82%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Fort Smith's profile as a depositor or analyst.
- The First National Bank of Fort Smith's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Fort Smith against other Arkansas banks before moving funds. Arkansas 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.