FNBC Bank

BankAsh Flat, Arkansas
www.fnbc.us

Total Assets

$852.5M

Total Deposits

$700.9M

Branches

17

Established

1912

TFS Health Grade

$
C

73.8 / 100

Average financial health

How we grade

FNBC Bank is a bank headquartered in Ash Flat, Arkansas, established in 1912. With $852.5M in total assets and 17 branch locations, it has a TFS Financial Health Grade of C (73.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.14%(8%)
Total Capital Ratio
12.77%(10%)
Non-Performing Loan Ratio
0.63%

Profitability

Return on Assets (ROA)
1.35%(1%)
Return on Equity (ROE)
19.31%(10%)
Net Interest Margin
4.32%
Efficiency Ratio
65.70%(60%)

Lending & Liquidity

Total Loans
$602.9M
Loan-to-Deposit Ratio
84.38%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+5.89%
Deposit Growth (YoY)
+0.14%
Net Income
$11.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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