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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

884 banks in the $1B-$10B peer group nationally 19 in AR
View $1B-$10B leaderboard (AR) →

The First National Bank of Fort Smith has 5 strengths but faces 3 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

  • + Revenue Diversifier: Top 40.3% in tier
  • + Deposit Franchise: Top 70.9% in tier
  • + Return on Assets 0.65% above tier average
  • + Efficiency Ratio 13.13% below tier average
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 8.1% in tier
  • - Credit Quality Pressure: Bottom 9.8% in tier
  • - Capital Thin: Bottom 36.6% in tier
Get updates when The First National Bank of Fort Smith releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $2.3B
+3.1% YoY +1.0% QoQ
-$518.3M $2.8B
-0.1% YoY
$2.3B
+2.8% YoY
$6.2B
+9.1% YoY
57%
Total Loans ? $1.6B
+3.5% YoY +0.1% QoQ
-$391.2M $2.0B
+0.6% YoY
$1.7B
+6.4% YoY
$3.2B
+10.8% YoY
56%
Total Deposits ? $2.0B
+4.3% YoY +1.2% QoQ
-$350.5M $2.3B
-0.3% YoY
$1.9B
+3.0% YoY
$4.8B
+8.2% YoY
59%
Return on Assets ? 2.01%
+5.0% YoY +7.9% QoQ
+0.65% 1.37%
+19.6% YoY
1.34%
+14.2% YoY
1.23%
+13.4% YoY
Top 10.0% in tier
Net Interest Margin ? 4.51%
+6.6% YoY +2.6% QoQ
+0.69% 3.82%
+6.9% YoY
4.08%
+8.2% YoY
3.89%
+5.7% YoY
Top 11.4% in tier
Efficiency Ratio ? 47.93%
-4.8% YoY -3.8% QoQ
-13.13% 61.06%
-4.6% YoY
61.77%
-4.8% YoY
66.95%
-4.1% YoY
83%
Delinquency Rate ? 0.27%
+8.6% YoY +3.8% QoQ
-0.62% 0.89%
+14.1% YoY
1.02%
+24.4% YoY
0.95%
+18.8% YoY
73%
Loan-to-Deposit Ratio ? 78.96%
-0.8% YoY -1.1% QoQ
-5.24% 84.20%
+0.3% YoY
80.49%
+1.3% YoY
76.70%
+0.9% YoY
68%
Non-Interest-Bearing Deposit Share ? 29.57%
-6.6% YoY -2.1% QoQ
+8.28% 21.29%
-2.5% YoY
19.62%
+0.8% YoY
22.01%
-1.2% YoY
83%
Nonperforming Asset Ratio ? 0.19%
+5.0% YoY +2.8% QoQ
-0.48% 0.67%
+15.6% YoY
0.79%
+32.8% YoY
0.67%
+19.3% YoY
74%
Tier 1 Capital Ratio ? 11.32%
-6.8% YoY +1.4% QoQ
-3.84% 15.16%
+2.0% YoY
13.59%
+0.0% YoY
17.06%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.27%
-7.9% YoY -75.0% QoQ
+0.02% 0.26%
+1.6% YoY
0.18%
-3.1% YoY
0.32%
+4.1% YoY
84%

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
#90 of 221 • Top 40.3% 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: 0.27%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 2.01%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#62 of 86 • Top 70.9% 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: 29.57%
(Tier: 21.29%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.51%
(Tier: 3.82%, National: 3.89%)
better than tier avg
86 of 86 Mid-Market banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#35 of 420 • Bottom 8.1% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#51 of 513 • Bottom 9.8% in tier

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

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk
#82 of 221 • Bottom 36.6% 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: 11.32%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

89
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.37%
#89 of 884 Top 10.0% in $1B-$10B
102
Net Interest Margin
profitability
Value: 4.51%
Peer Median: 3.82%
#102 of 884 Top 11.4% in $1B-$10B
144
Non-Interest Income / Assets
revenue_mix
Value: 0.27%
Peer Median: 0.26%
#144 of 884 Top 16.2% in $1B-$10B
147
Efficiency Ratio
profitability
Value: 47.93%
Peer Median: 61.06%
#147 of 884 Top 16.5% in $1B-$10B
149
Non-Interest-Bearing Deposit Share
funding
Value: 29.57%
Peer Median: 21.29%
#149 of 884 Top 16.7% in $1B-$10B

Top Weaknesses (1 metrics)

703
Tier 1 Capital Ratio
capital
Value: 11.32%
Peer Median: 15.16%
#703 of 884 Bottom 20.6% in $1B-$10B
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