TellerScore

First Arkansas Bank and Trust (FDIC certificate #16849) is based in Jacksonville, Arkansas. Its Q2 2026 call report shows $1.1B in total assets and $985.8M in deposits and 21 offices.

Based on its Q2 2026 filing, First Arkansas Bank and Trust scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 53rd. Its strongest component is earnings (84/100; 1.61%), and its lowest is loan quality (46/100; 1.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.74%
Loan quality46/100
Noncurrent loans ÷ total loans: 1.63%
Earnings84/100
Return on assets (annualized): 1.61%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 79.9% · 27.6% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (58 → 63), mostly because the earnings component improved by 22 points.

TellerScore
485663Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202448
Q3 202452
Q4 202457
Q1 202557
Q2 202558
Q3 202558
Q4 202554
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%7.87%10.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.01%
Q3 20249.26%
Q4 20249.56%
Q1 202510.11%
Q2 202510.34%
Q3 202510.61%
Q4 202510.35%
Q1 202610.49%
Q2 202610.74%
Noncurrent loans
1.18%1.59%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.49%
Q3 20241.49%
Q4 20241.18%
Q1 20251.57%
Q2 20251.68%
Q3 20251.65%
Q4 20252.01%
Q1 20261.72%
Q2 20261.63%
Return on assets
0.28%1.06%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.28%
Q3 20240.52%
Q4 20240.60%
Q1 20251.02%
Q2 20251.04%
Q3 20250.95%
Q4 20250.94%
Q1 20261.84%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.1B10.74%1.63%1.61%79.9%
Q1 202663$1.2B10.49%1.72%1.84%80.1%
Q4 202554$1.2B10.35%2.01%0.94%74.0%
Q3 202558$1.1B10.61%1.65%0.95%76.7%
Q2 202558$1.1B10.34%1.68%1.04%76.7%
Q1 202557$1.1B10.11%1.57%1.02%80.5%
Q4 202457$1.1B9.56%1.18%0.60%78.2%
Q3 202452$1.1B9.26%1.49%0.52%83.4%
Q2 202448$1.1B9.01%1.49%0.28%84.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.74%
55th
Total risk-based capital0.00%
13th
Problem loans1.63%
13th
Net charge-offs0.63%
6th
Return on assets1.61%
75th
Net interest margin3.99%
68th
Efficiency ratio70.5%
20th
Loans to deposits79.9%
67th
Uninsured deposits27.6%
60th
Loan-loss reserves1.12%
45th
Texas ratio11.6%
13th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Evolve Bank & TrustBank West Memphis, AR50 out of 100, Below average$1.2B12.9%1.88%vs
Generations BankBank Rogers, AR63 out of 100, Moderate$1.1B11.5%1.51%vs
First Service BankBank Greenbrier, AR59 out of 100, Moderate$1.0B9.1%0.50%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs

Deposit insurance

Is my money safe at First Arkansas Bank and Trust?

Yes. First Arkansas Bank and Trust is an FDIC-insured institution (FDIC certificate #16849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.6% of deposits ($271.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

First Arkansas Bank and Trust lists 18 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Arkansas Bank and Trust reported 105 home-loan applications under HMDA (LEI 5493007BBMW58UQT5588): 102 originated ($42,330,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Arkansas Bank and Trust
Former names
First Jacksonville Bank; First Jacksonville Bank and Trust; Jacksonville State Bank
Type
State-chartered bank
FDIC certificate #
16849
RSSD ID
466240
Primary regulator
FDIC
Holding company
First Arkansas Bancshares Inc
Established
November 5, 1949
Headquarters
600 W Main St, Jacksonville, AR 72076
Employees
235

Quick answers

First Arkansas Bank and Trust: common questions

Is First Arkansas Bank and Trust FDIC insured?

Yes. First Arkansas Bank and Trust is an FDIC-insured institution (FDIC certificate #16849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Arkansas Bank and Trust's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Arkansas Bank and Trust ever failed?

There is no failure record for FDIC certificate #16849 in the FDIC failed bank list.

How many branches does First Arkansas Bank and Trust have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jacksonville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs
Dillard'S Federal Credit UnionCredit union Little Rock, AR88 out of 100, Very strong$24.8M13.1%0.06%vs