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The First National Bank Of Izard County
Calico Rock, AR · FDIC Certificate #11252 · Chartered 05/0
Total assets
$234.76M
Total deposits
$160.04M
Total equity
$71.29M
Net loans
$115.55M
Branches (offices)
5
Net income (YTD)
$3.39M
Rank: #2,787 of 4,213 U.S. banks by assets · #61 of 78 in Arkansas. Assets changed 5.1% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.90% |
| Return on equity | 9.72% |
| Net interest margin (YTD) | 5.08% |
| Equity to assets | 30.37% |
| Tier 1 leverage ratio | 31.14% |
| Uninsured deposits (share of deposits) | 15.5% |
| Noncurrent loans (share of loans) | 2.09% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 72.2% |
| Real estate loans (share of loans) | 78.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $90.32M | 78.2% | |
| Commercial & industrial | $5.71M | 4.9% | |
| Consumer / individual | $18.10M | 15.7% | |
| Construction & development | $5.88M | 5.1% | |
| Agricultural | $2.17M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $210.35M | $150.41M | $1.44M | $57.49M |
| Jun 2023 | $199.10M | $137.73M | $2.27M | $59.02M |
| Jun 2024 | $211.11M | $145.13M | $2.20M | $63.07M |
| Jun 2025 | $223.28M | $153.96M | $1.74M | $66.16M |
| Jun 2026 | $234.76M | $160.04M | $3.39M | $71.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $160.04M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $160.04M.
Similar-sized banks
First Federal Savings And Loan Association Of Central Illinois, S.B. ($234.97M) · Crossroads Bank ($234.74M)
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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