PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Commerce

Walnut Ridge, AR · Cert 3896 · First National Capital Corp.

National charter · OCC · 6 branches

Q2 2026

$296.6MAssets
$157.8MLoans
$268.8MDeposits
$26.4MEquity
Loan mix
82%RE $102.8M15%C&I $18.7M3%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $219.5M18%Noninterest $49.2MQ3 2024Q2 2026

Market Position · Jonesboro, AR · 2026 SOD (annual) · 0.4% share · #23 of 25 inst. · $0.0B of $4.7B

45.9% Lawrence
20.3% Randolph
0.4% Craighead

Executive Summary

  • Earnings: ROA of 1.20%, up 52 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.17% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.65%, up 36 bps from a year ago.
  • Funding: loans stand at 58.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+54 bps YoY

Efficiency Ratio (YTD, annualized)

63.01%-1,405 bps YoY

Tier 1 Leverage Ratio

10.65%+36 bps YoY

NIM

4.22%Q2 ’244.38%Q2 ’254.69%Q2 ’26+17%+18%

Non-interest income vs. expense

2.26%Q2 ’242.77%Q2 ’252.60%Q2 ’26+30%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.71%0.64%0.67%0.67%0.82%1.09%1.20%+52 bps
Return on Equity7.90%9.85%8.67%9.16%8.89%10.59%13.22%14.13%+496 bps
Net Interest Margin2.66%2.73%2.99%3.03%3.11%3.11%3.45%3.56%+54 bps
Efficiency Ratio74.08%71.30%78.38%77.06%75.93%70.25%63.74%63.01%-1,405 bps
Non-Interest Burden1.82%1.77%2.21%2.20%2.22%2.02%1.97%2.03%-17 bps
Growth
Asset Growth (YoY)10.45%1.66%-0.74%-0.38%0.63%3.43%7.25%3.74%+412 bps
Loan Growth (YoY)2.95%-0.75%1.48%-0.26%5.72%13.49%18.87%24.28%+2,454 bps
Deposit Growth (YoY)7.43%1.55%-1.44%-0.79%0.63%1.88%6.58%2.19%+298 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.28%0.26%0.16%0.37%0.31%0.25%0.17%0 bps
Net Charge-Offs / Loans0.38%0.30%0.39%0.22%0.14%0.13%-0.02%0.01%-21 bps
Allowance / Loans0.99%1.02%0.90%0.88%0.96%0.98%1.00%0.93%+5 bps
Allowance Coverage of NPLs4.2x3.7x3.5x5.4x2.6x3.2x4.0x5.6x+0.2x
Capital
Tier 1 Leverage Ratio10.02%10.15%10.17%10.29%10.45%10.45%10.23%10.65%+36 bps
Total Risk-Based Capital10.02%10.15%10.17%10.29%10.45%10.45%10.23%10.65%+36 bps
Equity / Assets7.95%7.21%7.50%7.34%8.09%8.55%7.96%8.91%+157 bps
Liquidity & Funding
Loans / Deposits48.80%47.38%47.63%48.29%51.27%52.78%53.13%58.73%+1,044 bps
Liquid Assets / Assets4.36%4.85%2.59%2.85%3.15%4.90%6.79%2.19%-67 bps
CRE / Total Capitaln/an/an/an/a70.31%80.37%88.84%n/an/a