TellerScore

Headquartered in Walnut Ridge, Arkansas, First National Bank Of Commerce is a national bank with $296.6M in total assets and $268.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1919.

Based on its Q2 2026 filing, First National Bank Of Commerce scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 16th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (56/100; 10.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.65%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 58.2% · 23.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.95%

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 6 points (74 → 80), mostly because the earnings component improved by 27 points.

TellerScore
717680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202472
Q1 202572
Q2 202574
Q3 202573
Q4 202575
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%7.82%10.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.94%
Q3 202410.02%
Q4 202410.15%
Q1 202510.17%
Q2 202510.29%
Q3 202510.45%
Q4 202510.45%
Q1 202610.23%
Q2 202610.65%
Noncurrent loans
0.16%0.27%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.23%
Q4 20240.28%
Q1 20250.26%
Q2 20250.16%
Q3 20250.37%
Q4 20250.31%
Q1 20260.25%
Q2 20260.17%
Return on assets
0.71%1.12%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.72%
Q4 20240.89%
Q1 20250.81%
Q2 20250.86%
Q3 20250.85%
Q4 20251.04%
Q1 20261.39%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$296.6M10.65%0.17%1.52%58.2%
Q1 202677$308.4M10.23%0.25%1.39%52.6%
Q4 202575$297.0M10.45%0.31%1.04%52.3%
Q3 202573$291.4M10.45%0.37%0.85%50.8%
Q2 202574$285.9M10.29%0.16%0.86%47.9%
Q1 202572$287.5M10.17%0.26%0.81%47.2%
Q4 202472$287.1M10.15%0.28%0.89%46.9%
Q3 202471$289.6M10.02%0.23%0.72%48.3%
Q2 202471$287.0M9.94%0.17%0.71%47.6%

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).

Capital ratio10.65%
44th
Total risk-based capital0.00%
24th
Problem loans0.17%
67th
Net charge-offs0.01%
45th
Return on assets1.52%
66th
Net interest margin4.06%
57th
Efficiency ratio63.0%
48th
Loans to deposits58.2%
85th
Uninsured deposits23.3%
52nd
Loan-loss reserves0.93%
20th
Texas ratio0.9%
70th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Springdale, AR74 out of 100, Strong$296.0M10.7%0.10%vs
Merchants and Farmers BankBank Dumas, AR50 out of 100, Below average$297.6M10.7%2.40%vs
Farmers BankBank Greenwood, AR90 out of 100, Very strong$288.7M16.2%0.20%vs
Horatio State BankBank Horatio, AR68 out of 100, Moderate$311.5M12.0%1.18%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs

Deposit insurance

Is my money safe at First National Bank Of Commerce?

Yes. First National Bank Of Commerce is an FDIC-insured institution (FDIC certificate #3896). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.3% of deposits ($62.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.65%, 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

6 locations

Branches

First National Bank Of Commerce lists 6 offices in 5 cities. Most locations:

  • Pocahontas, AR (2)
  • Bono, AR (1)
  • Hoxie, AR (1)
  • Imboden, AR (1)
  • Walnut Ridge, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank Of Commerce reported 107 home-loan applications under HMDA (LEI 549300SEIRB4CK6DTC04): 67 originated ($13,335,000 total), 25 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.4%, 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 Of Commerce
Former names
The First National Bank of Lawrence County at Walnut Ridge
Type
National bank
FDIC certificate #
3896
RSSD ID
799948
Primary regulator
OCC
Holding company
First National Capital Corp
Established
March 27, 1919
Headquarters
206 W Main St, Walnut Ridge, AR 72476
Employees
58

Quick answers

First National Bank Of Commerce: common questions

Is First National Bank Of Commerce FDIC insured?

Yes. First National Bank Of Commerce is an FDIC-insured institution (FDIC certificate #3896). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank Of Commerce's TellerScore?

80 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 Commerce ever failed?

There is no failure record for FDIC certificate #3896 in the FDIC failed bank list.

How many branches does First National Bank Of Commerce have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Walnut Ridge

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%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
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs