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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 3864 · AR A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #877/4307
  • PHOTO-FINISH Community First Bank… · IL
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-STRONG 1.86% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Community First Bank of the Heartland, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Fort Smith

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community First Bank… · IL ·…88/100DNB NATIONAL BANK · SD · near88/100First Community Bank… · IL ·…88/100First National Bank… · IL · …88/100The First National B… · AR ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Fort Smith · July 2026

What The First National Bank of Fort Smith's Call Report plate shows

The First National Bank of Fort Smith (FDIC Cert #3864) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #877 of 4,307. Tier 1 capital prints at 11.17%, clearing the 10% well-capitalized line. The Texas Ratio is 1.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.86%. Balance-sheet scale is $2.3B, 534th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community First Bank of the Heartland (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Fort Smith

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

The First National Bank of Fort Smith's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The First National Bank of Fort Smith remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

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.

0/100100/100National avg77/10088/100
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 Assets

$2.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.77% 11.17% 12.57%
Basel III capital ratios - The First National Bank of Fort Smith

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Fort Smith 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for The First National Bank of Fort Smith

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

What these ratios mean →

Earnings posture at The First National Bank of Fort Smith

Return on Assets (ROA)
87th percentile nationally
1.86%
Return on Equity (ROE)
14.58%
Efficiency Ratio
49.82%

What these mean →

Income & expense at The First National Bank of Fort Smith

$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.

FDIC Failed Bank List → View The First National Bank of Fort Smith on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.3B here), outside Arkansas so the neighborhood is not state containment.

Cashmere Valley Bank $2.3B · WA Commercial Bank $2.3B · TN Pinnacle Bank $2.3B · GA The Bank of Princeton $2.3B · NJ

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.

The First National Bank of Fort Smith Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
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%