The First National Bank of Fort Smith (FDIC certificate #3864) is based in Fort Smith, Arkansas. Its Q2 2026 call report shows $2.3B in total assets and $2.0B in deposits and 26 offices across 2 states.
The First National Bank of Fort Smith has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 20th. Earnings contributes the most (100/100, 2.04%); funding & liquidity contributes the least (60/100, 77% loans-to-deposits, 36% uninsured).
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 3 points (81 → 78), mostly because the loan quality component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 81 |
| Q3 2025 | 81 |
| Q4 2025 | 78 |
| Q1 2026 | 80 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.34% |
| Q3 2024 | 11.74% |
| Q4 2024 | 11.78% |
| Q1 2025 | 12.15% |
| Q2 2025 | 11.65% |
| Q3 2025 | 12.02% |
| Q4 2025 | 11.17% |
| Q1 2026 | 11.32% |
| Q2 2026 | 11.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.44% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.73% |
| Q3 2024 | 1.72% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.92% |
| Q2 2025 | 1.88% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.86% |
| Q1 2026 | 2.01% |
| Q2 2026 | 2.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $2.3B | 11.08% | 0.44% | 2.04% | 77.4% |
| Q1 2026 | 80 | $2.3B | 11.32% | 0.27% | 2.01% | 79.0% |
| Q4 2025 | 78 | $2.3B | 11.17% | 0.26% | 1.86% | 79.8% |
| Q3 2025 | 81 | $2.3B | 12.02% | 0.25% | 1.85% | 79.7% |
| Q2 2025 | 81 | $2.3B | 11.65% | 0.21% | 1.88% | 79.2% |
| Q1 2025 | 83 | $2.2B | 12.15% | 0.25% | 1.92% | 79.6% |
| Q4 2024 | 80 | $2.2B | 11.78% | 0.24% | 1.67% | 79.6% |
| Q3 2024 | 80 | $2.2B | 11.74% | 0.24% | 1.72% | 81.1% |
| Q2 2024 | 78 | $2.1B | 11.34% | 0.28% | 1.73% | 80.1% |
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).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Paragould, AR | 71 out of 100, Strong | $2.6B | 11.1% | 0.19% | vs |
| First Financial BankBank El Dorado, AR | 50 out of 100, Below average | $2.0B | 11.2% | 3.64% | vs |
| The Farmers & Merchants BankBank Stuttgart, AR | 67 out of 100, Moderate | $2.0B | 9.8% | 0.39% | vs |
| Signature Bank of ArkansasBank Fayetteville, AR | 67 out of 100, Moderate | $1.6B | 9.6% | 0.04% | vs |
| The Citizens BankBank Batesville, AR | 70 out of 100, Strong | $1.6B | 8.9% | 0.37% | vs |
| Southern Bancorp BankBank Arkadelphia, AR | 61 out of 100, Moderate | $3.0B | 11.9% | 1.42% | vs |
Deposit insurance
Is my money safe at The First National Bank of Fort Smith?
Yes. The First National Bank of Fort Smith is an FDIC-insured institution (FDIC certificate #3864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.6% of deposits ($715.4M) 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 11.08%, 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%).
26 locations
Branches
The First National Bank of Fort Smith lists 24 offices in 14 cities across 2 states. Most locations:
- Fort Smith, AR (9)
- Poteau, OK (2)
- Rogers, AR (2)
- Bentonville, AR (1)
- Centerton, AR (1)
- Charleston, AR (1)
- Fayetteville, AR (1)
- Greenwood, AR (1)
- Heavener, OK (1)
- Lavaca, AR (1)
- Pocola, OK (1)
- Roland, OK (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Fort Smith reported 669 home-loan applications under HMDA (LEI 549300BREPLU2KKPI102): 512 originated ($171,220,000 total), 40 denied, and 112 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.2%, 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
- The First National Bank of Fort Smith
- Type
- National bank
- FDIC certificate #
- 3864
- RSSD ID
- 397540
- Primary regulator
- OCC
- Holding company
- First Bank Corp
- Established
- February 29, 1872
- Headquarters
- 602 Garrison Ave, Fort Smith, AR 72901
- Website
- www.fnbfs.com
- Employees
- 373
Quick answers
The First National Bank of Fort Smith: common questions
Is The First National Bank of Fort Smith FDIC insured?
Yes. The First National Bank of Fort Smith is an FDIC-insured institution (FDIC certificate #3864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Fort Smith's TellerScore?
78 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 The First National Bank of Fort Smith ever failed?
There is no failure record for FDIC certificate #3864 in the FDIC failed bank list.
How many branches does The First National Bank of Fort Smith have?
26 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fort Smith
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Farmers BankBank Greenwood, AR | 90 out of 100, Very strong | $288.7M | 16.2% | 0.20% | vs |
| Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR | 89 out of 100, Very strong | $13.1M | 23.6% | 0.31% | vs |
| Arkansas Best Federal Credit UnionCredit union Fort Smith, AR | 84 out of 100, Strong | $144.0M | 16.3% | 0.62% | vs |
| Citizens' Bank & Trust Co.Bank Van Buren, AR | 82 out of 100, Strong | $566.4M | 11.8% | 0.20% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |