First Arkansas Bank and Trust
Jacksonville, Arkansas, Pulaski County
$1.1B in total assets, the 948th largest of 4,309 US banks and 22nd of 78 headquartered in Arkansas.
- FDIC certificate
- 16849
- Established
- 1949
- Owned by
- First Arkansas Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.fabandt.bank
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 | $1.1B | 10% | $1.6B | |
| Loans | $797M | 5% | $1.4B | |
| Deposits | $986M | 16% | $1.5B | |
| Return on assets | 1.24% | 53% | 1.23% | |
| Net interest margin | 3.99% | 42% | 4.01% | |
| Efficiency ratio | 70.5% | 84% | 57.4% | |
| Equity to assets | 9.57% | 47% | 11.19% | |
| Loans to deposits | 81% | 10% | 89% |
Growth
Total assets grew 3.8% a year over the last 5 years and 4.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2008 | Greers Ferry Lake State Bank Heber Springs, AR | $64M |
| Nov 2005 | First Team Bank Heber Springs, AR, an affiliate under the same holding company | $234M |
| Sep 1991 | Savers Savings Association, a Federal Savings and Loan Association Little Rock, AR | $329M |
| Jul 1991 | First Federal of Arkansas, FA Little Rock, AR | n/a |
Where they operate
20 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Pulaski County, AR | $494M | 1.7% | 12 of 33 |
| Lonoke County, AR | $205M | 12.2% | 3 of 13 |
| Cleburne County, AR | $187M | 24.8% | 2 of 6 |
| Faulkner County, AR | $70M | 1.9% | 11 of 17 |
| Van Buren County, AR | $29M | 6.4% | 6 of 7 |
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 loss of 2 branches since 2016 (22 to 20, −9.1%). 1 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 22 | |||
| 2018 | Opened Conway | 1 | 0 | +1 | 23 |
| 2020 | Closed Heber Springs | 0 | 1 | −1 | 22 |
| 2024 | Closed Greenbrier and Jacksonville | 0 | 2 | −2 | 20 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 29% | 13% | |
| Commercial real estate | 27% | 29% | |
| 1-4 family residential | 19% | 23% | |
| Construction and land | 15% | 13% | |
| Consumer | 9% | 2% | |
| Farmland | 0% | 11% | |
| Multifamily | 0% | 5% | |
| Agricultural | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 46% | |
| Time deposits | 24% | 35% | |
| Noninterest-bearing | 14% | 18% |
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 | 1.63% | 0.39% |
| Net charge-offs, annualized | 0.63% | 0.08% |
| Reserves to loans | 1.12% | 1.29% |
| Leverage ratio | 10.74% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Pulaski 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/first-arkansas