First National Bank of Fort Smith, The
Fort Smith, AR · Cert 3864 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Bank Corp.
National charter · OCC · 1 affiliate bank · 26 branches (35 in holding)
Q2 2026
$2.3BAssets
$1.6BLoans
$2.0BDeposits
$283.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 93% of banks $1B-$10B in assets operating regionally (rank 12 of 176).
- Widest gap: total risk-based capital ratio trails 85% of banks $1B-$10B in assets operating regionally (rank 149 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.02%
Rank 12 of 176
Net Interest Margin
4.09%
Rank 26 of 176
Efficiency Ratio
47.94%
Rank 27 of 176
Equity / Assets
12.26%
Rank 36 of 176
Non-interest income vs. expense
Unfavorable gap of $31.8M · efficiency ratio beats 85% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.02% | 0.93% | 1.26% | 1.54% | Beats 93% | 12 / 176 | | |
| Return on Equity | 16.48% | 9.26% | 11.89% | 14.46% | Beats 87% | 23 / 176 | | |
| Net Interest Margin | 4.09% | 3.25% | 3.59% | 3.93% | Beats 85% | 26 / 176 | | |
| Efficiency Ratio | 47.94% | 52.79% | 59.55% | 67.66% | Beats 85% | 27 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.30% | 0.64% | 1.32% | Beats 63% | 66 / 176 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 65% | 63 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.08% | 11.15% | 12.72% | 14.15% | Beats 23% | 135 / 176 | | |
| Total Risk-Based Capital Ratio | 11.08% | 11.81% | 13.63% | 15.33% | Beats 15% | 149 / 176 | | |
| Equity / Assets | 12.26% | 9.16% | 10.35% | 11.80% | Beats 80% | 36 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.49% | 80.94% | 89.73% | 97.21% | 18th pctl | 144 / 176 | | |
| Loans / Assets | 68.28% | 69.25% | 75.12% | 80.82% | 20th pctl | 141 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |