First National Bank
Paragould, AR · Cert 3887 · Peer group: banks $1B-$10B in assets (n=322-328) · First Paragould Bankshares Inc.
National charter · OCC · 23 branches
Q2 2026
$2.6BAssets
$2.1BLoans
$2.1BDeposits
$299.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of banks $1B-$10B in assets (rank 72 of 322).
- Widest gap: return on equity trails 62% of banks $1B-$10B in assets (rank 204 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.19%
Rank 175 of 328
Net Interest Margin
3.56%
Rank 139 of 328
Efficiency Ratio
57.92%
Rank 141 of 328
Equity / Assets
11.59%
Rank 97 of 328
Non-interest income vs. expense
Unfavorable gap of $46.1M · efficiency ratio beats 57% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.91% | 1.22% | 1.52% | Beats 47% | 175 / 328 | | |
| Return on Equity | 10.24% | 8.43% | 11.45% | 14.43% | Beats 38% | 204 / 328 | | |
| Net Interest Margin | 3.56% | 3.03% | 3.45% | 3.83% | Beats 58% | 139 / 328 | | |
| Efficiency Ratio | 57.92% | 51.61% | 59.56% | 67.53% | Beats 57% | 141 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.24% | 0.51% | 1.03% | Beats 78% | 72 / 322 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 63% | 120 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.42% | 11.75% | 13.15% | 15.47% | Beats 55% | 148 / 328 | | |
| Total Risk-Based Capital Ratio | 14.68% | 12.63% | 14.15% | 16.46% | Beats 58% | 138 / 328 | | |
| Equity / Assets | 11.59% | 9.15% | 10.33% | 12.01% | Beats 70% | 97 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.49% | 76.63% | 87.92% | 95.36% | 84th pctl | 52 / 323 | | |
| Loans / Assets | 81.68% | 65.18% | 74.15% | 79.98% | 81st pctl | 63 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |