FNBC Bank
Ash Flat, AR · Cert 1294 · Peer group: banks under $1B in assets operating regionally (n=94) · FNBC Bcorp Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
$843.3MAssets
$614.3MLoans
$704.1MDeposits
$68.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks under $1B in assets operating regionally (rank 11 of 94).
- Widest gap: equity / assets trails 87% of banks under $1B in assets operating regionally (rank 82 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.30%
Rank 36 of 94
Net Interest Margin
4.08%
Rank 28 of 94
Efficiency Ratio
62.52%
Rank 49 of 94
Equity / Assets
8.14%
Rank 82 of 94
Non-interest income vs. expense
Unfavorable gap of $20.1M · efficiency ratio beats 49% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.82% | 1.19% | 1.46% | Beats 62% | 36 / 94 | | |
| Return on Equity | 16.00% | 7.85% | 11.84% | 14.03% | Beats 88% | 11 / 94 | | |
| Net Interest Margin | 4.08% | 3.42% | 3.81% | 4.18% | Beats 70% | 28 / 94 | | |
| Efficiency Ratio | 62.52% | 55.99% | 62.41% | 73.02% | Beats 49% | 49 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.19% | 0.47% | 1.14% | Beats 34% | 63 / 94 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 27% | 70 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 10.28% | 11.95% | 15.07% | Beats 54% | 43 / 94 | | |
| Total Risk-Based Capital Ratio | 13.70% | 10.31% | 12.59% | 15.88% | Beats 60% | 38 / 94 | | |
| Equity / Assets | 8.14% | 8.98% | 10.21% | 11.41% | Beats 13% | 82 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.24% | 72.62% | 84.44% | 94.55% | 59th pctl | 39 / 94 | | |
| Loans / Assets | 72.84% | 62.50% | 72.84% | 78.99% | 50th pctl | 47 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |