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The First National Bank of Izard County

$100M-$1B Specialty: Other AR FDIC cert 11252

Calico Rock, AR

5 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +3.9% year over year ($160.0M on the books).
  • Delinquency rate 2.11%.
  • Return on assets 2.90%.
  • Efficiency ratio 41.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.20% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

The First National Bank of Izard County has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 0.3% in tier
  • + Revenue Diversifier: Top 16.6% in tier
  • + Deposit Franchise: Top 64.8% in tier
  • + Efficiency Ratio 23.48% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.7% in tier
  • - Delinquency Rate 1.19% above tier average
Get updates when The First National Bank of Izard County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $234.8M
+5.1% YoY -0.5% QoQ
-$151.8M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $115.6M
+3.3% YoY +0.9% QoQ
-$142.8M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $160.0M
+3.9% YoY -1.8% QoQ
-$166.7M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 2.90%
+83.9% YoY -4.0% QoQ
+1.58% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Top 2.5% in tier
Net Interest Margin ? 5.08%
+7.9% YoY +2.8% QoQ
+1.09% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 7.1% in tier
Efficiency Ratio ? 41.00%
-13.6% YoY +5.4% QoQ
-23.48% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
Top 4.8% in tier
Delinquency Rate ? 2.11%
-26.3% YoY -17.2% QoQ
+1.19% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 11.8% in tier
Loan-to-Deposit Ratio ? 72.20%
-0.6% YoY +2.8% QoQ
-5.75% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 29.14%
+0.8% YoY -2.0% QoQ
+7.11% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 1.07%
-27.7% YoY -15.7% QoQ
+0.40% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 31.14%
+1.8% YoY +0.7% QoQ
+15.24% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Top 3.7% in tier
Non-Interest Income / Assets ? 0.52%
+45.1% YoY +50.7% QoQ
-0.05% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Top 9.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 29.1%
+0.2pp YoY
-0.6pp QoQ
 +7.0pp 22.1% 19.6% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 4.9%
+0.8pp YoY
+0.5pp QoQ
 -6.6pp 11.6% 12.7% 12.5% 20%
CRE n/a n/a 39.5% 41.0% 41.4% n/a
1-4 Family 40.2%
+1.8pp YoY
0.0pp QoQ
 +7.6pp 32.6% 28.1% 31.3% 70%
Consumer 15.7%
-1.1pp YoY
-0.1pp QoQ
 +11.6pp 4.1% 4.5% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 31.1%
+0.5pp YoY
+0.2pp QoQ
 +19.0pp 12.2% 11.9% 12.6% 99%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 38
-1 (-2.6%) YoY
0 QoQ
 -21 58 315 482 39%
Assets per Employee ($) $6.2M
+7.9% YoY
-0.5% QoQ
 -$1.3M $7.5M $6.7M $8.8M 37%
Branch Count 5
0 YoY
0 QoQ
 0 4 25 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 2.1%
-0.8pp YoY
-0.4pp QoQ
 +1.2pp 0.9% 1.1% 1.0% 89%
Allowance Coverage 0.44x
+72.1% YoY
+19.7% QoQ
 -23.72x 24.15x 4.69x 20.23x 8%
Net Charge-off Rate (YTD) 0.0%
-1.9pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 9.7%
+4.4pp YoY
-0.5pp QoQ
 -2.5pp 12.2% 12.3% 11.6% 35%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 2.0% 1.7% 14%
Net Income ($, YTD) $3.4M
+95.0% YoY
— QoQ
 +$834K $2.6M $16.0M $40.4M 74%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth
#3 of 661 • Top 0.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.90%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#111 of 661 • Top 16.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.52%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.90%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#181 of 278 • Top 64.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.14%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.08%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#88 of 742 • Bottom 11.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.14%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 72.20%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

66
Return on Assets
profitability
Value: 2.90%
Peer Median: 1.32%
#66 of 2643 Top 2.5% in $100M-$1B
98
Tier 1 Capital Ratio
capital
Value: 31.14%
Peer Median: 15.91%
#98 of 2643 Top 3.7% in $100M-$1B
127
Efficiency Ratio
profitability
Value: 41.00%
Peer Median: 64.48%
#127 of 2643 Top 4.8% in $100M-$1B
188
Net Interest Margin
profitability
Value: 5.08%
Peer Median: 3.99%
#188 of 2643 Top 7.1% in $100M-$1B
238
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.57%
#238 of 2643 Top 9.0% in $100M-$1B
542
Non-Interest-Bearing Deposit Share
funding
Value: 29.14%
Peer Median: 22.03%
#542 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (4 metrics)

2323
Delinquency Rate
credit_quality
Value: 2.11%
Peer Median: 0.92%
#2323 of 2633 Bottom 11.8% in $100M-$1B
2147
Nonperforming Asset Ratio
credit_quality
Value: 1.07%
Peer Median: 0.67%
#2147 of 2643 Bottom 18.8% in $100M-$1B
2011
Total Deposits
size
Value: $160.04M
Peer Median: $326.73M
#2011 of 2643 Bottom 24.0% in $100M-$1B
2009
Total Loans
size
Value: $115.55M
Peer Median: $258.35M
#2009 of 2643 Bottom 24.0% in $100M-$1B
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