TellerScore

Headquartered in Paragould, Arkansas, First National Bank is a national bank with $2.6B in total assets and $2.1B in deposits as of Q2 2026. It operates 23 offices across 2 states. Its charter dates back to 1889.

Based on its Q2 2026 filing, First National Bank scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 32nd. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is funding & liquidity (37/100; 98% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.12%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 97.8% · 37.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.19%

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 4 points (67 → 71), mostly because the loan quality component improved by 7 points.

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202467
Q1 202567
Q2 202567
Q3 202568
Q4 202568
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%8.06%11.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.77%
Q3 202410.91%
Q4 202410.64%
Q1 202510.71%
Q2 202510.80%
Q3 202510.88%
Q4 202510.67%
Q1 202610.96%
Q2 202611.12%
Noncurrent loans
0.18%0.28%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.32%
Q3 20240.33%
Q4 20240.36%
Q1 20250.36%
Q2 20250.38%
Q3 20250.32%
Q4 20250.20%
Q1 20260.18%
Q2 20260.19%
Return on assets
1.01%1.10%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.05%
Q4 20241.02%
Q1 20251.05%
Q2 20251.06%
Q3 20251.08%
Q4 20251.02%
Q1 20261.11%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.6B11.12%0.19%1.20%97.8%
Q1 202670$2.6B10.96%0.18%1.11%95.5%
Q4 202568$2.6B10.67%0.20%1.02%94.6%
Q3 202568$2.6B10.88%0.32%1.08%95.3%
Q2 202567$2.5B10.80%0.38%1.06%95.5%
Q1 202567$2.5B10.71%0.36%1.05%93.9%
Q4 202467$2.5B10.64%0.36%1.02%94.3%
Q3 202468$2.4B10.91%0.33%1.05%96.0%
Q2 202467$2.4B10.77%0.32%1.01%97.3%

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 ratio11.12%
62nd
Total risk-based capital14.68%
63rd
Problem loans0.19%
78th
Net charge-offs-0.01%
94th
Return on assets1.20%
45th
Net interest margin3.86%
60th
Efficiency ratio57.4%
56th
Loans to deposits97.8%
20th
Uninsured deposits37.9%
32nd
Loan-loss reserves1.66%
91st
Texas ratio1.2%
81st

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs
The Farmers & Merchants BankBank Stuttgart, AR67 out of 100, Moderate$2.0B9.8%0.39%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs

Deposit insurance

Is my money safe at First National Bank?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #3887). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.9% of deposits ($803.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.68% (benchmark: 10%).

Check how much of your own balance is covered

23 locations

Branches

First National Bank lists 23 offices in 15 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank reported 412 home-loan applications under HMDA (LEI 5493003EW6T31TGECO83): 341 originated ($82,245,000 total), 16 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, 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 National Bank
Former names
National Bank of Commerce of Paragould; First National Bank of Commerce
Type
National bank
FDIC certificate #
3887
RSSD ID
42448
Primary regulator
OCC
Holding company
First Paragould Bankshares Inc
Established
March 22, 1889
Headquarters
200 W Court St, Paragould, AR 72450
Employees
309

Quick answers

First National Bank: common questions

Is First National Bank FDIC insured?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #3887). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank's TellerScore?

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

Has First National Bank ever failed?

There is no failure record for FDIC certificate #3887 in the FDIC failed bank list.

How many branches does First National Bank have?

23 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Paragould

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
First National Bank Of CommerceBank Walnut Ridge, AR80 out of 100, Strong$296.6M10.6%0.17%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs