TellerScore

First National Bank of Eastern Arkansas (FDIC certificate #3863) is based in Forrest City, Arkansas. Its Q2 2026 call report shows $589.5M in total assets and $520.3M in deposits and 15 offices across 2 states.

Based on its Q2 2026 filing, First National Bank of Eastern Arkansas scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 28th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (60/100; 10.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.95%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.64%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 71.3% · 21.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.45%

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 5 points (77 → 72), mostly because the loan quality component weakened by 9 points.

TellerScore
727782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202479
Q4 202480
Q1 202579
Q2 202577
Q3 202581
Q4 202582
Q1 202678
Q2 202672
Tier 1 leverage ratio
5.00%8.26%11.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.76%
Q3 202411.20%
Q4 202411.07%
Q1 202511.05%
Q2 202511.27%
Q3 202511.45%
Q4 202511.51%
Q1 202611.19%
Q2 202610.95%
Noncurrent loans
0.02%0.33%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.13%
Q4 20240.10%
Q1 20250.03%
Q2 20250.36%
Q3 20250.07%
Q4 20250.02%
Q1 20260.10%
Q2 20260.64%
Return on assets
1.07%1.24%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.33%
Q3 20241.33%
Q4 20241.30%
Q1 20251.18%
Q2 20251.26%
Q3 20251.41%
Q4 20251.42%
Q1 20261.07%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$589.5M10.95%0.64%1.16%71.3%
Q1 202678$614.9M11.19%0.10%1.07%66.3%
Q4 202582$595.9M11.51%0.02%1.42%68.3%
Q3 202581$585.1M11.45%0.07%1.41%72.5%
Q2 202577$568.6M11.27%0.36%1.26%70.6%
Q1 202579$567.1M11.05%0.03%1.18%67.4%
Q4 202480$563.7M11.07%0.10%1.30%64.1%
Q3 202479$550.7M11.20%0.13%1.33%69.9%
Q2 202474$545.6M10.76%0.58%1.33%66.0%

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 ratio10.95%
49th
Total risk-based capital0.00%
24th
Problem loans0.64%
39th
Net charge-offs0.17%
14th
Return on assets1.16%
45th
Net interest margin3.92%
49th
Efficiency ratio62.4%
50th
Loans to deposits71.3%
68th
Uninsured deposits21.9%
57th
Loan-loss reserves1.47%
77th
Texas ratio3.5%
45th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs
Citizens' Bank & Trust Co.Bank Van Buren, AR82 out of 100, Strong$566.4M11.8%0.20%vs
CS BankBank Eureka Springs, AR69 out of 100, Moderate$628.5M12.0%1.37%vs
Fidelity BankBank West Memphis, AR78 out of 100, Strong$546.8M13.1%0.74%vs
First State Bank of DeQueenBank De Queen, AR64 out of 100, Moderate$525.1M8.5%1.23%vs
Armor BankBank Forrest City, AR66 out of 100, Moderate$516.9M9.4%0.41%vs

Deposit insurance

Is my money safe at First National Bank of Eastern Arkansas?

Yes. First National Bank of Eastern Arkansas is an FDIC-insured institution (FDIC certificate #3863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.9% of deposits ($114.2M) 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 10.95%, 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

15 locations

Branches

First National Bank of Eastern Arkansas lists 15 offices in 13 cities across 2 states. Most locations:

  • Forrest City, AR (3)
  • Collierville, TN (1)
  • Colt, AR (1)
  • Earle, AR (1)
  • Holly Grove, AR (1)
  • Hughes, AR (1)
  • Marianna, AR (1)
  • Marion, AR (1)
  • Memphis, TN (1)
  • Osceola, AR (1)
  • Palestine, AR (1)
  • Wheatley, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank of Eastern Arkansas reported 100 home-loan applications under HMDA (LEI 549300UHLXT004ITEJ56): 98 originated ($12,030,000 total), 1 denied, and 1 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 National Bank of Eastern Arkansas
Former names
The National Bank of Eastern Arkansas of Forrest City
Type
National bank
FDIC certificate #
3863
RSSD ID
251745
Primary regulator
OCC
Holding company
Bancshares of Eastern Ar Inc
Established
November 1, 1886
Headquarters
101 N Washington St, Forrest City, AR 72335
Employees
116

Quick answers

First National Bank of Eastern Arkansas: common questions

Is First National Bank of Eastern Arkansas FDIC insured?

Yes. First National Bank of Eastern Arkansas is an FDIC-insured institution (FDIC certificate #3863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Eastern Arkansas's TellerScore?

72 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 Eastern Arkansas ever failed?

There is no failure record for FDIC certificate #3863 in the FDIC failed bank list.

How many branches does First National Bank of Eastern Arkansas have?

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

Nearby

Highest-scoring banks and credit unions with branches near Forrest City

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity BankBank West Memphis, AR78 out of 100, Strong$546.8M13.1%0.74%vs
Partners BankBank Helena, AR71 out of 100, Strong$417.1M13.7%0.93%vs
Armor BankBank Forrest City, AR66 out of 100, Moderate$516.9M9.4%0.41%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs