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The First National Bank Of Fort Smith
Fort Smith, AR · FDIC Certificate #3864 · Chartered 02/2
Total assets
$2.31B
Total deposits
$2.01B
Total equity
$283.33M
Net loans
$1.56B
Branches (offices)
26
Net income (YTD)
$23.35M
Rank: #540 of 4,213 U.S. banks by assets · #11 of 78 in Arkansas. Assets changed 0.9% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.04% |
| Return on equity | 16.48% |
| Net interest margin (YTD) | 4.52% |
| Equity to assets | 12.26% |
| Tier 1 leverage ratio | 11.08% |
| Uninsured deposits (share of deposits) | 35.6% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 77.4% |
| Real estate loans (share of loans) | 87.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.36B | 87.4% | |
| Commercial & industrial | $170.85M | 11.0% | |
| Consumer / individual | $19.57M | 1.3% | |
| Construction & development | $250.63M | 16.1% | |
| Agricultural | $19.49M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.91B | $1.69B | $13.37M | $192.03M |
| Jun 2023 | $2.17B | $1.84B | $15.81M | $246.23M |
| Jun 2024 | $2.15B | $1.85B | $18.57M | $262.12M |
| Jun 2025 | $2.29B | $1.97B | $21.05M | $288.70M |
| Jun 2026 | $2.31B | $2.01B | $23.35M | $283.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.54B | 17 |
| Oklahoma | $473.58M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.01B.
Similar-sized banks
Colorado Federal Savings Bank ($2.31B) · Blue Ridge Bank, National Association ($2.31B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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