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First National Bank

$1B-$10B Specialty: Commercial AR FDIC cert 3887

Paragould, AR

23 branches across AR · TN

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

First National Bank has 2 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

  • + Efficiency Ratio 2.69% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 25.2% in tier
  • - ROA 0.25% below tier average
Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $2.6B
+1.9% YoY +0.1% QoQ
-$261.6M $2.8B
-0.1% YoY
$2.3B
+2.8% YoY
$6.2B
+9.1% YoY
62%
Total Loans ? $2.0B
+3.8% YoY +1.1% QoQ
+$58.2M $2.0B
+0.6% YoY
$1.7B
+6.4% YoY
$3.2B
+10.8% YoY
68%
Total Deposits ? $2.1B
+2.0% YoY +0.1% QoQ
-$225.4M $2.3B
-0.3% YoY
$1.9B
+3.0% YoY
$4.8B
+8.2% YoY
62%
Return on Assets ? 1.11%
+6.2% YoY +8.4% QoQ
-0.25% 1.37%
+19.6% YoY
1.34%
+14.2% YoY
1.23%
+13.4% YoY
41%
Net Interest Margin ? 3.77%
+11.4% YoY +4.9% QoQ
-0.05% 3.82%
+6.9% YoY
4.08%
+8.2% YoY
3.89%
+5.7% YoY
58%
Efficiency Ratio ? 58.38%
-4.1% YoY -0.9% QoQ
-2.69% 61.06%
-4.6% YoY
61.77%
-4.8% YoY
66.95%
-4.1% YoY
54%
Delinquency Rate ? 0.18%
-50.2% YoY -8.2% QoQ
-0.71% 0.89%
+14.1% YoY
1.02%
+24.4% YoY
0.95%
+18.8% YoY
81%
Loan-to-Deposit Ratio ? 95.52%
+1.7% YoY +1.0% QoQ
+11.31% 84.20%
+0.3% YoY
80.49%
+1.3% YoY
76.70%
+0.9% YoY
23%
Non-Interest-Bearing Deposit Share ? 12.03%
+4.9% YoY +2.1% QoQ
-9.26% 21.29%
-2.5% YoY
19.62%
+0.8% YoY
22.01%
-1.2% YoY
17%
Nonperforming Asset Ratio ? 0.15%
-48.4% YoY -7.2% QoQ
-0.53% 0.67%
+15.6% YoY
0.79%
+32.8% YoY
0.67%
+19.3% YoY
79%
Tier 1 Capital Ratio ? 13.64%
+2.1% YoY +0.7% QoQ
-1.52% 15.16%
+2.0% YoY
13.59%
+0.0% YoY
17.06%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.15%
+1.1% YoY -76.8% QoQ
-0.11% 0.26%
+1.6% YoY
0.18%
-3.1% YoY
0.32%
+4.1% YoY
53%

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 (1)

Liquidity Strain

risk
#85 of 334 • Bottom 25.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.52%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 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 884 peers in $1B-$10B

Top Strengths (2 metrics)

172
Delinquency Rate
credit_quality
Value: 0.18%
Peer Median: 0.89%
#172 of 880 Top 19.4% in $1B-$10B
183
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#183 of 884 Top 20.6% in $1B-$10B

Top Weaknesses (2 metrics)

737
Non-Interest-Bearing Deposit Share
funding
Value: 12.03%
Peer Median: 21.29%
#737 of 884 Bottom 16.7% in $1B-$10B
679
Loan-to-Deposit Ratio
liquidity
Value: 95.52%
Peer Median: 84.20%
#679 of 884 Bottom 23.3% in $1B-$10B
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