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The First National Bank of Fort Smith

$1B-$10B Specialty: Commercial AR FDIC cert 3864

Designations: ✓ Community bank

Fort Smith, AR

26 branches across AR · OK

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +2.2% year over year ($2.0B on the books).
  • Delinquency rate 0.44%.
  • Return on assets 2.04%.
  • Efficiency ratio 47.66% vs a 59.73% peer average.
  • Loan-to-deposit ratio 77.37% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 20 in AR
View $1B-$10B leaderboard (AR) →

The First National Bank of Fort Smith has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 38.3% in tier
  • + Deposit Franchise: Top 75.0% in tier
  • + ROA 0.64% above tier average
  • + Efficiency Ratio 12.07% below tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 19.8% in tier
Get updates when The First National Bank of Fort Smith releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $2.3B
+0.9% YoY +0.6% QoQ
-$481.7M $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $1.6B
-0.2% YoY -1.1% QoQ
-$407.3M $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $2.0B
+2.2% YoY +0.9% QoQ
-$307.8M $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 2.04%
+8.2% YoY +1.2% QoQ
+0.64% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Top 10.5% in tier
Net Interest Margin ? 4.52%
+4.8% YoY +0.2% QoQ
+0.65% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 12.0% in tier
Efficiency Ratio ? 47.66%
-2.2% YoY -0.6% QoQ
-12.07% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.44%
+110.2% YoY +62.8% QoQ
-0.42% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 77.37%
-2.3% YoY -2.0% QoQ
-7.67% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 28.75%
-10.8% YoY -2.8% QoQ
+7.48% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.31%
+110.3% YoY +63.4% QoQ
-0.36% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 11.08%
-4.9% YoY -2.2% QoQ
-3.77% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.56%
+1.1% YoY +103.0% QoQ
+0.03% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
84%

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 28.7%
-3.5pp YoY
-0.8pp QoQ
 +7.4pp 21.4% 19.6% 22.2% 82%
Brokered Deposits n/a n/a 9.5% 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 11.0%
+0.8pp YoY
+1.0pp QoQ
 -3.0pp 14.0% 12.7% 12.5% 48%
CRE 58.8%
-3.7pp YoY
-2.2pp QoQ
 +8.8pp 50.0% 41.0% 41.4% 73%
1-4 Family 24.3%
+3.3pp YoY
+1.3pp QoQ
 -2.2pp 26.4% 28.1% 31.3% 52%
Consumer 1.3%
+0.1pp YoY
+0.1pp QoQ
 -3.5pp 4.7% 4.5% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.1% 19.7% n/a
Leverage Ratio 11.1%
-0.6pp YoY
-0.2pp QoQ
 -0.2pp 11.3% 11.9% 12.6% 62%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 373
-11 (-2.9%) YoY
-2 (-0.5%) QoQ
 +59 313 315 482 75%
Assets per Employee ($) $6.2M
+3.9% YoY
+1.2% QoQ
 -$4.3M $10.5M $6.7M $8.8M 14%
Branch Count 26
0 YoY
0 QoQ
 +6 20 25 18 77%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 75%
Nonaccrual 0.4%
+0.2pp YoY
+0.2pp QoQ
 -0.5pp 0.8% 1.1% 1.0% 35%
Allowance Coverage 3.28x
-47.3% YoY
-37.0% QoQ
 -15.43x 18.71x 4.69x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 16.5%
+1.7pp YoY
+0.3pp QoQ
 +3.9pp 12.6% 12.3% 11.6% 81%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.9% 2.0% 1.7% 22%
Net Income ($, YTD) $23.4M
+11.0% YoY
— QoQ
 +$4.1M $19.2M $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 (2)

Revenue Diversifier

growth
#86 of 222 • Top 38.3% 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: 0.56%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.04%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#61 of 80 • Top 75.0% 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: 28.75%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.52%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Capital Thin

risk
#45 of 222 • Bottom 19.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.08%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

94
Return on Assets
profitability
Value: 2.04%
Peer Median: 1.39%
#94 of 885 Top 10.5% in $1B-$10B
107
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.87%
#107 of 885 Top 12.0% in $1B-$10B
145
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.53%
#145 of 885 Top 16.3% in $1B-$10B
157
Efficiency Ratio
profitability
Value: 47.66%
Peer Median: 59.73%
#157 of 885 Top 17.6% in $1B-$10B
162
Non-Interest-Bearing Deposit Share
funding
Value: 28.75%
Peer Median: 21.27%
#162 of 885 Top 18.2% in $1B-$10B

Top Weaknesses (1 metrics)

713
Tier 1 Capital Ratio
capital
Value: 11.08%
Peer Median: 14.84%
#713 of 885 Bottom 19.5% in $1B-$10B
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