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First National Bank of Eastern Arkansas

$100M-$1B Specialty: Commercial AR FDIC cert 3863

Forrest City, AR

15 branches across AR · TN

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 +3.6% year over year ($520.3M on the books).
  • Delinquency rate 0.65%.
  • Return on assets 1.16%.
  • Efficiency ratio 62.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.26% 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) →

First National Bank of Eastern Arkansas has 3 strengths but faces 4 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

  • + Non-Interest-Bearing Deposit Share 12.86% above tier average
  • + Efficiency Ratio 2.10% below tier average
  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 28.5% in tier
  • - Credit Quality Pressure: Bottom 46.4% in tier
  • - Margin Compression: Bottom 50.2% in tier
  • - Net Interest Margin 0.07% below tier average
Get updates when First National Bank of Eastern Arkansas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $589.5M
+3.7% YoY -4.1% QoQ
+$202.9M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $370.7M
+4.5% YoY +2.9% QoQ
+$112.4M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $520.3M
+3.6% YoY -4.1% QoQ
+$193.5M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.16%
-8.4% YoY +8.2% QoQ
-0.17% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 3.92%
+3.2% YoY +3.9% QoQ
-0.07% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 62.38%
+1.1% YoY -1.5% QoQ
-2.10% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.65%
+76.8% YoY +513.7% QoQ
-0.27% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 71.26%
+0.9% YoY +7.4% QoQ
-6.69% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 34.89%
-3.0% YoY -3.7% QoQ
+12.86% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
Top 9.9% in tier
Nonperforming Asset Ratio ? 0.41%
+78.3% YoY +559.0% QoQ
-0.26% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 10.95%
-2.8% YoY -2.1% QoQ
-4.96% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.16%
-17.8% YoY +89.9% QoQ
-0.40% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
38%

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 34.9%
-1.1pp YoY
-1.3pp QoQ
 +12.7pp 22.1% 19.6% 22.2% 90%
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 15.9%
+0.6pp YoY
-1.5pp QoQ
 +4.4pp 11.6% 12.7% 12.5% 79%
CRE 45.1%
+1.1pp YoY
-1.5pp QoQ
 +5.5pp 39.5% 41.0% 41.4% 62%
1-4 Family 18.0%
+1.0pp YoY
0.0pp QoQ
 -14.6pp 32.6% 28.1% 31.3% 26%
Consumer 3.5%
-0.4pp YoY
0.0pp QoQ
 -0.7pp 4.1% 4.5% 5.0% 65%

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 11.0%
-0.3pp YoY
-0.2pp QoQ
 -1.2pp 12.2% 11.9% 12.6% 49%
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 116
+2 (+1.8%) YoY
+2 (+1.8%) QoQ
 +57 58 315 482 91%
Assets per Employee ($) $5.1M
+1.9% YoY
-5.8% QoQ
 -$2.4M $7.5M $6.7M $8.8M 16%
Branch Count 15
0 YoY
0 QoQ
 +10 4 25 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 39%
Nonaccrual 0.6%
+0.6pp YoY
+0.5pp QoQ
 -0.3pp 0.9% 1.1% 1.0% 57%
Allowance Coverage 2.30x
-30.8% YoY
-81.5% QoQ
 -21.85x 24.15x 4.69x 20.23x 51%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.2% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 10.6%
-1.4pp YoY
+0.8pp QoQ
 -1.6pp 12.2% 12.3% 11.6% 40%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 2.0% 1.7% 32%
Net Income ($, YTD) $3.5M
-2.9% YoY
— QoQ
 +$915K $2.6M $16.0M $40.4M 75%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#268 of 936 • Bottom 28.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#584 of 1256 • Bottom 46.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.65%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Margin Compression

decline
#155 of 307 • Bottom 50.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.16%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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 (4 metrics)

263
Non-Interest-Bearing Deposit Share
funding
Value: 34.89%
Peer Median: 22.03%
#263 of 2643 Top 9.9% in $100M-$1B
480
Total Deposits
size
Value: $520.26M
Peer Median: $326.73M
#480 of 2643 Top 18.1% in $100M-$1B
538
Total Assets
size
Value: $589.49M
Peer Median: $386.57M
#538 of 2643 Top 20.3% in $100M-$1B
631
Total Loans
size
Value: $370.73M
Peer Median: $258.35M
#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2049
Tier 1 Capital Ratio
capital
Value: 10.95%
Peer Median: 15.91%
#2049 of 2643 Bottom 22.5% in $100M-$1B
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