First National Bank of Clarksdale (FDIC certificate #19070) is based in Clarksdale, Mississippi. Its Q2 2026 call report shows $386.1M in total assets and $342.0M in deposits and 5 offices.
First National Bank of Clarksdale has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 21st. Problem-loan coverage contributes the most (93/100, 3.7%); earnings contributes the least (50/100, 0.75%).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (75 → 73), mostly because the funding & liquidity component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 74 |
| Q1 2025 | 73 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.87% |
| Q3 2024 | 12.87% |
| Q4 2024 | 12.62% |
| Q1 2025 | 12.23% |
| Q2 2025 | 12.97% |
| Q3 2025 | 13.35% |
| Q4 2025 | 12.56% |
| Q1 2026 | 12.35% |
| Q2 2026 | 12.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.64% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $386.1M | 12.83% | 0.64% | 0.75% | 72.1% |
| Q1 2026 | 73 | $392.8M | 12.35% | 0.65% | 0.88% | 69.0% |
| Q4 2025 | 73 | $393.4M | 12.56% | 0.64% | 0.88% | 70.2% |
| Q3 2025 | 76 | $381.9M | 13.35% | 0.67% | 0.89% | 72.1% |
| Q2 2025 | 75 | $381.9M | 12.97% | 0.71% | 0.90% | 65.9% |
| Q1 2025 | 73 | $399.6M | 12.23% | 0.75% | 0.94% | 58.3% |
| Q4 2024 | 74 | $376.3M | 12.62% | 0.68% | 0.96% | 68.0% |
| Q3 2024 | 71 | $387.7M | 12.87% | 1.00% | 0.90% | 72.9% |
| Q2 2024 | 72 | $385.7M | 12.87% | 1.03% | 0.99% | 70.2% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings and Loan AssociationBank Pascagoula, MS | 61 out of 100, Moderate | $381.4M | 9.7% | 0.16% | vs |
| Pike National BankBank Mccomb, MS | 72 out of 100, Strong | $408.8M | 11.7% | 0.59% | vs |
| BankOkolonaBank Okolona, MS | 67 out of 100, Moderate | $359.6M | 10.1% | 1.04% | vs |
| Great Southern BankBank Meridian, MS | 66 out of 100, Moderate | $355.1M | 9.5% | 0.67% | vs |
| Bank of KilmichaelBank Kilmichael, MS | 62 out of 100, Moderate | $341.6M | 9.1% | 0.96% | vs |
| The Cleveland State BankBank Cleveland, MS | 76 out of 100, Strong | $340.2M | 11.2% | 0.26% | vs |
Deposit insurance
Is my money safe at First National Bank of Clarksdale?
Yes. First National Bank of Clarksdale is an FDIC-insured institution (FDIC certificate #19070). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.1% of deposits ($116.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.83%, 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%).
5 locations
Branches
First National Bank of Clarksdale lists 5 offices in 2 cities. Most locations:
- Clarksdale, MS (3)
- Oxford, MS (2)
Identity & history
Profile
- Legal name
- First National Bank of Clarksdale
- Type
- National bank
- FDIC certificate #
- 19070
- RSSD ID
- 11640
- Primary regulator
- OCC
- Holding company
- First Valley National Corp
- Established
- April 1, 1964
- Headquarters
- 402 E 2nd St, Clarksdale, MS 38614
- Website
- www.fnbclarksdale.com
- Employees
- 48
Quick answers
First National Bank of Clarksdale: common questions
Is First National Bank of Clarksdale FDIC insured?
Yes. First National Bank of Clarksdale is an FDIC-insured institution (FDIC certificate #19070). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Clarksdale's TellerScore?
73 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 of Clarksdale ever failed?
There is no failure record for FDIC certificate #19070 in the FDIC failed bank list.
How many branches does First National Bank of Clarksdale have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clarksdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |
| Shelby/Bolivar County Federal Credit UnionCredit union Boyle, MS | 71 out of 100, Strong | $4.5M | 20.3% | 5.89% | vs |
| First Security BankBank Batesville, MS | 66 out of 100, Moderate | $976.5M | 9.3% | 0.55% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Southern Bancorp BankBank Arkadelphia, AR | 61 out of 100, Moderate | $3.0B | 11.9% | 1.42% | vs |
| Woodforest National BankBank The Woodlands, TX | 60 out of 100, Moderate | $9.0B | 9.3% | 1.93% | vs |