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First National Bank Of Commerce

$100M-$1B Specialty: Agricultural AR FDIC cert 3896

Designations: ✓ CDFI-certified

Walnut Ridge, AR

6 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 +2.2% year over year ($268.8M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 1.52%.
  • Efficiency ratio 63.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.18% 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 Commerce 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

  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.08% above tier average
  • + Efficiency Ratio 1.47% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.2% in tier
  • - Capital Thin: Bottom 45.1% in tier
Get updates when First National Bank Of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $296.6M
+3.7% YoY -3.8% QoQ
-$89.9M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $156.4M
+24.2% YoY +5.5% QoQ
-$102.0M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $268.8M
+2.2% YoY -4.6% QoQ
-$58.0M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.52%
+77.9% YoY +9.8% QoQ
+0.20% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 4.06%
+17.2% YoY +4.0% QoQ
+0.08% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 63.01%
-18.2% YoY -1.1% QoQ
-1.47% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.17%
+3.1% YoY -32.8% QoQ
-0.75% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 58.18%
+21.6% YoY +10.6% QoQ
-19.77% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
Top 14.9% in tier
Non-Interest-Bearing Deposit Share ? 18.31%
-3.1% YoY -0.0% QoQ
-3.72% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.09%
+23.4% YoY -26.3% QoQ
-0.58% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 10.65%
+3.5% YoY +4.1% QoQ
-5.26% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.30%
+1.5% YoY +87.0% QoQ
-0.27% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
72%

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 18.3%
-0.6pp YoY
0.0pp QoQ
 -3.8pp 22.1% 19.6% 22.2% 37%
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 10.8%
-2.0pp YoY
-1.8pp QoQ
 -0.8pp 11.6% 12.7% 12.5% 57%
CRE 19.7%
+5.3pp YoY
+0.5pp QoQ
 -19.9pp 39.5% 41.0% 41.4% 18%
1-4 Family 32.5%
+2.4pp YoY
-0.1pp QoQ
 -0.2pp 32.6% 28.1% 31.3% 56%
Consumer 2.7%
-0.5pp YoY
-0.1pp QoQ
 -1.5pp 4.1% 4.5% 5.0% 56%

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 10.6%
+0.4pp YoY
+0.4pp QoQ
 -1.5pp 12.2% 11.9% 12.6% 44%
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 58
+6 (+11.5%) YoY
+2 (+3.6%) QoQ
 -1 58 315 482 61%
Assets per Employee ($) $5.1M
-7.0% YoY
-7.1% QoQ
 -$2.4M $7.5M $6.7M $8.8M 16%
Branch Count 6
0 YoY
0 QoQ
 +1 4 25 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.1% 0.4% 2%
Nonaccrual 0.2%
0.0pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 27%
Allowance Coverage 5.56x
+2.8% YoY
+39.4% QoQ
 -18.59x 24.15x 4.69x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 18.0%
+6.3pp YoY
+1.2pp QoQ
 +5.8pp 12.2% 12.3% 11.6% 82%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 2.0% 1.7% 23%
Net Income ($, YTD) $2.3M
+86.4% YoY
— QoQ
 -$264K $2.6M $16.0M $40.4M 58%

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 (2)

Credit Quality Pressure

risk
#116 of 1256 • Bottom 9.2% in tier

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

Why this signature
Delinquency Rate: 0.17%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#299 of 661 • Bottom 45.1% 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: 10.65%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

395
Loan-to-Deposit Ratio
liquidity
Value: 58.18%
Peer Median: 77.95%
#395 of 2643 Top 14.9% in $100M-$1B

Top Weaknesses (1 metrics)

2144
Tier 1 Capital Ratio
capital
Value: 10.65%
Peer Median: 15.91%
#2144 of 2643 Bottom 18.9% in $100M-$1B
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