TellerScore

FNBC Bank (FDIC certificate #1294) is based in Ash Flat, Arkansas. Its Q2 2026 call report shows $843.3M in total assets and $704.1M in deposits and 17 offices across 2 states.

Based on its Q2 2026 filing, FNBC Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 40th. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is capital cushion (47/100; 9.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.68%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 85.6% · 12.1% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.24%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202463
Q1 202567
Q2 202570
Q3 202562
Q4 202567
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.67%
Q3 20249.09%
Q4 20248.92%
Q1 20259.14%
Q2 20259.42%
Q3 20259.36%
Q4 20259.14%
Q1 20269.48%
Q2 20269.68%
Noncurrent loans
0.37%0.84%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.49%
Q4 20240.65%
Q1 20250.57%
Q2 20250.50%
Q3 20251.31%
Q4 20250.63%
Q1 20260.82%
Q2 20260.79%
Return on assets
0.59%1.10%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.75%
Q4 20240.84%
Q1 20251.05%
Q2 20251.35%
Q3 20251.37%
Q4 20251.35%
Q1 20261.52%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$843.3M9.68%0.79%1.60%85.6%
Q1 202668$844.0M9.48%0.82%1.52%86.4%
Q4 202567$852.5M9.14%0.63%1.35%84.4%
Q3 202562$833.0M9.36%1.31%1.37%80.9%
Q2 202570$813.2M9.42%0.50%1.35%77.8%
Q1 202567$803.7M9.14%0.57%1.05%76.6%
Q4 202463$805.1M8.92%0.65%0.84%76.8%
Q3 202465$791.8M9.09%0.49%0.75%77.2%
Q2 202463$798.7M8.67%0.37%0.59%83.8%

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 ratio9.68%
25th
Total risk-based capital13.70%
60th
Problem loans0.79%
34th
Net charge-offs0.06%
26th
Return on assets1.60%
71st
Net interest margin4.42%
76th
Efficiency ratio60.9%
55th
Loans to deposits85.6%
36th
Uninsured deposits12.1%
90th
Loan-loss reserves1.92%
92nd
Texas ratio6.2%
30th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
First Western BankBank Booneville, AR60 out of 100, Moderate$792.7M8.9%0.76%vs
Stone BankBank Mountain View, AR60 out of 100, Moderate$950.7M8.4%1.04%vs
Central BankBank Little Rock, AR34 out of 100, Low$954.6M9.4%4.76%vs
Diamond BankBank Murfreesboro, AR69 out of 100, Moderate$957.2M10.0%0.58%vs
The Malvern National BankBank Malvern, AR71 out of 100, Strong$728.4M9.4%0.09%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs

Deposit insurance

Is my money safe at FNBC Bank?

Yes. FNBC Bank is an FDIC-insured institution (FDIC certificate #1294). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.1% of deposits ($85.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.68%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.70% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

FNBC Bank lists 14 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, FNBC Bank reported 259 home-loan applications under HMDA (LEI 549300CCQSH6ZSQHNS49): 224 originated ($57,350,000 total), 12 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, 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
FNBC Bank
Former names
First National Bank of Sharp County; Bank of Ash Flat; First National Banking Company
Type
State-chartered bank (Fed member)
FDIC certificate #
1294
RSSD ID
100843
Primary regulator
FED
Holding company
Fnbc Bcorp Inc
Established
January 1, 1912
Headquarters
636 Ash Flat Dr, Ash Flat, AR 72513
Employees
125

Quick answers

FNBC Bank: common questions

Is FNBC Bank FDIC insured?

Yes. FNBC Bank is an FDIC-insured institution (FDIC certificate #1294). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is FNBC Bank's TellerScore?

69 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 FNBC Bank ever failed?

There is no failure record for FDIC certificate #1294 in the FDIC failed bank list.

How many branches does FNBC Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Ash Flat

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of Izard CountyBank Calico Rock, AR80 out of 100, Strong$234.8M31.1%2.09%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Community First Banking CompanyBank West Plains, MO75 out of 100, Strong$307.3M10.3%0.00%vs
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs
First Community BankBank Batesville, AR62 out of 100, Moderate$3.6B9.0%0.31%vs