Total Assets
$843.3M
Total Deposits
$704.1M
Branches
17
Established
1912
FNBC Bank is a bank headquartered in Ash Flat, Arkansas, established in 1912. It holds $843.3M in total assets across 17 branch locations. In our editorial opinion, based on public FDIC/NCUA data, FNBC Bank earns a TFS Financial Health Grade of B+ (83.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
83.5 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| FNBC BankHQ | 636 Ash Flat Dr | Ash Flat | AR | 11 |
| FNBC Bank | 636 Ash Flat Dr | Ash Flat | AR | 29 |
| FNBC Bank | 636 Ash Flat Dr | Ash Flat | AR | 27 |
| FNBC Bank | 636 Ash Flat Dr | Ash Flat | AR | 13 |
| FNBC Bank | 1388 Harrison St | Batesville | AR | 11 |
| FNBC Bank | 10 Santee | Cherokee Village | AR | 11 |
| FNBC Bank | 201 W Main Street | Hardy | AR | 11 |
| FNBC Bank | 1476 Highway 62 412 | Highland | AR | 11 |
| FNBC Bank | 405 Market St | Horseshoe Bend | AR | 11 |
| FNBC Bank | 2631 Race St | Jonesboro | AR | 11 |
| FNBC Bank | 358 Highway 63 S | Mammoth Spring | AR | 11 |
| FNBC Bank | 1069 E Main St | Melbourne | AR | 11 |
| FNBC Bank | 102 S Main St | Mountain Home | AR | 11 |
| FNBC Bank | 175 W End Way | Mountain Home | AR | 11 |
| FNBC Bank | 233 N Main St | Salem | AR | 11 |
| FNBC Bank | 111 N Maple Ave | Mountain Grove | MO | 11 |
| FNBC Bank | 1311 Porter Wagoner Blvd | West Plains | MO | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
83.5
Tier 1 capital ratio
9.68%
Return on assets
1.60%
Non-performing loans
0.79%
Efficiency ratio
60.92%
Asset growth (YoY)
3.71%
Suggested direct comparisons
Conway, AR
$24.6B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.