What is First National Bank Of Commerce's financial health grade?

First National Bank Of Commerce has a TFS Financial Health Grade of D- (score: 61.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank Of Commerce have?

First National Bank Of Commerce has 6 branch locations across the United States.

Is First National Bank Of Commerce FDIC insured?

Yes, First National Bank Of Commerce is FDIC insured (Certificate #3896).

What are the total assets of First National Bank Of Commerce?

First National Bank Of Commerce has total assets of $297.0M as reported in its most recent FDIC filing.

First National Bank Of Commerce

BankWalnut Ridge, Arkansas

www.firstnb.bank

Total Assets

$297.0M

Total Deposits

$270.0M

Branches

Established

1919

TFS Health Grade

D-

61.4 / 100

Below average financial health

How we grade

First National Bank Of Commerce is a bank headquartered in Walnut Ridge, Arkansas, established in 1919. With $297.0M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D- (61.4/100).

Capital & Safety

Tier 1 Capital Ratio

10.45%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.31%

Profitability

Return on Assets (ROA)

1.04%(1%)

Return on Equity (ROE)

13.42%(10%)

Net Interest Margin

3.58%

Efficiency Ratio

70.25%(60%)

Lending & Liquidity

Total Loans

$142.5M

Loan-to-Deposit Ratio

52.27%

Net Charge-Off Ratio

0.14%

Growth

Asset Growth (YoY)

+3.43%

Deposit Growth (YoY)

+1.88%

Net Income

$3.0M

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.

Branch	Address	City	State	Type
First National Bank Of CommerceHQ	206 W Main St	Walnut Ridge	AR	11
First National Bank Of Commerce	131 Highway 63 N	Bono	AR	11
First National Bank Of Commerce	300 Sw Texas St	Hoxie	AR	11
First National Bank Of Commerce	1115 W 3rd St	Imboden	AR	11
First National Bank Of Commerce	1755 Highway 62 W	Pocahontas	AR	11
First National Bank Of Commerce	1603 N Thomasville Ave	Pocahontas	AR	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.