First National Bank of Commerce
Walnut Ridge, AR · Cert 3896 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First National Capital Corp.
National charter · OCC · 6 branches
Q2 2026
$296.6MAssets
$157.8MLoans
$268.8MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 75% of banks under $1B in assets operating in a single state (rank 189 of 746).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets operating in a single state (rank 639 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.21%
Rank 289 of 746
Net Interest Margin
3.56%
Rank 419 of 746
Efficiency Ratio
63.01%
Rank 337 of 746
Equity / Assets
8.91%
Rank 556 of 746
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.72% | 1.06% | 1.45% | Beats 61% | 289 / 746 | | |
| Return on Equity | 13.60% | 6.74% | 10.51% | 13.63% | Beats 75% | 189 / 746 | | |
| Net Interest Margin | 3.56% | 3.17% | 3.68% | 4.16% | Beats 44% | 419 / 746 | | |
| Efficiency Ratio | 63.01% | 55.74% | 64.58% | 75.47% | Beats 55% | 337 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.42% | 1.07% | Beats 69% | 234 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 475 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.65% | 11.55% | 13.75% | 17.60% | Beats 16% | 629 / 746 | | |
| Total Risk-Based Capital Ratio | 10.65% | 11.71% | 14.33% | 18.43% | Beats 14% | 639 / 746 | | |
| Equity / Assets | 8.91% | 8.90% | 10.51% | 13.06% | Beats 25% | 556 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.73% | 61.31% | 78.27% | 90.78% | 20th pctl | 594 / 746 | | |
| Loans / Assets | 53.21% | 53.60% | 66.97% | 76.08% | 24th pctl | 566 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |