FNBC Bank
Ash Flat, Arkansas, Sharp County
$843M in total assets, the 1,227th largest of 4,309 US banks and 28th of 78 headquartered in Arkansas.
- FDIC certificate
- 1294
- Established
- 1912
- Owned by
- Fnbc Bcorp Inc
- Primary regulator
- FED
- Website
- www.fnbc.us
At a glance
Compared with 48 banks headquartered in Arkansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $843M | 94% | $313M | |
| Loans | $614M | 92% | $216M | |
| Deposits | $704M | 94% | $270M | |
| Return on assets | 1.48% | 67% | 1.15% | |
| Net interest margin | 4.42% | 73% | 4.08% | |
| Efficiency ratio | 60.9% | 50% | 60.9% | |
| Equity to assets | 8.14% | 17% | 10.69% | |
| Loans to deposits | 87% | 56% | 84% |
Growth
Total assets grew 6.7% a year over the last 5 years and 8.2% a year over 10 years, without acquisitions.
Where they operate
16 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sharp County, AR | $267M | 52.8% | 1 of 4 |
| Izard County, AR | $112M | 35.0% | 2 of 3 |
| Craighead County, AR | $97M | 2.3% | 15 of 24 |
| Baxter County, AR | $79M | 4.8% | 7 of 10 |
| Fulton County, AR | $70M | 23.3% | 2 of 3 |
| Howell County, MO | $39M | 2.8% | 7 of 8 |
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 4 branches since 2016 (12 to 16, +33.3%). 4 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2019 | Opened Jonesboro | 1 | 0 | +1 | 13 |
| 2022 | Opened 3 in 2 states | 3 | 0 | +3 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 22% | |
| 1-4 family residential | 29% | 31% | |
| Business (C&I) | 9% | 11% | |
| Farmland | 9% | 11% | |
| Construction and land | 9% | 10% | |
| Consumer | 6% | 5% | |
| Multifamily | 3% | 3% | |
| Agricultural | 3% | 6% | |
| Other | 1% | 0% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 45% | 38% | |
| Time deposits | 28% | 43% | |
| Noninterest-bearing | 27% | 19% |
Brokered deposits are 11.0% of deposits (peers 3.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.79% | 0.75% |
| Net charge-offs, annualized | 0.06% | 0.03% |
| Reserves to loans | 1.92% | 1.39% |
| Leverage ratio | 9.68% | 11.14% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Sharp 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/fnbc-bank-ash-flat-ar