The First National Bank of Fort Smith
Fort Smith, Arkansas, Sebastian County
$2.3B in total assets, the 553rd largest of 4,309 US banks and 11th of 78 headquartered in Arkansas.
- FDIC certificate
- 3864
- Established
- 1872
- Owned by
- First Bank Corp
- Primary regulator
- OCC
- Website
- www.fnbfs.com
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.3B | 68% | $1.6B | |
| Loans | $1.6B | 63% | $1.3B | |
| Deposits | $2.0B | 68% | $1.4B | |
| Return on assets | 1.93% | 84% | 1.23% | |
| Net interest margin | 4.52% | 95% | 4.01% | |
| Efficiency ratio | 47.7% | 5% | 57.5% | |
| Equity to assets | 12.26% | 74% | 9.57% | |
| Loans to deposits | 78% | 5% | 89% |
Growth
Total assets grew 5.2% a year over the last 5 years and 6.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2022 | The Central National Bank of Poteau Poteau, OK, an affiliate under the same holding company | $342M |
| Feb 2014 | National Bank of Sallisaw Sallisaw, OK, an affiliate under the same holding company | $109M |
| Dec 2008 | Bank of Rogers Rogers, AR, an affiliate under the same holding company | $175M |
| Jun 1999 | River Valley Bank and Trust Lavaca, AR, an affiliate under the same holding company | $80M |
Where they operate
26 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sebastian County, AR | $1.2B | 31.1% | 1 of 16 |
| Le Flore County, OK | $291M | 33.3% | 1 of 6 |
| Benton County, AR | $229M | 2.1% | 10 of 34 |
| Sequoyah County, OK | $157M | 18.5% | 3 of 5 |
| Washington County, AR | $41M | 0.5% | 24 of 34 |
| Franklin County, AR | $32M | 8.5% | 3 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (20 to 26, +30.0%). 1 opened, 6 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 20 | |||
| 2016 | Opened Bentonville | 1 | 0 | +1 | 21 |
| 2022 | Acquired The Central National Bank of Poteau | 6 | 0 | +6 | 27 |
| 2025 | Closed Lowell | 0 | 1 | −1 | 26 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 27% | 29% | |
| 1-4 family residential | 24% | 22% | |
| Construction and land | 16% | 13% | |
| Multifamily | 15% | 4% | |
| Business (C&I) | 11% | 14% | |
| Farmland | 4% | 10% | |
| Consumer | 1% | 2% | |
| Agricultural | 1% | 3% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 47% | |
| Noninterest-bearing | 29% | 17% | |
| Time deposits | 17% | 36% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.44% | 0.39% |
| Net charge-offs, annualized | 0.03% | 0.10% |
| Reserves to loans | 1.43% | 1.27% |
| Leverage ratio | 11.08% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Sebastian County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-national-bank-fort-smith-ar