Side-by-side · Q2 2026 data
The First National Bank of Fort Smith vs First Community Bank
Metric by metric
| Measure | The First National Bank of Fort Smith | First Community Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 62 |
| Capital cushion | 61 (stronger) | 40 |
| Loan quality | 85 | 90 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 60 (stronger) | 42 |
| Problem-loan coverage | 95 (stronger) | 69 |
| Peer percentile | 86th | 27th |
| Total assets | $2.3B | $3.6B |
| Deposits / shares | $2.0B | $2.9B |
| Capital ratio | 11.08% (stronger) | 9.04% |
| Problem loans | 0.44% | 0.31% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.14% |
| Return on assets | 2.04% (stronger) | 1.32% |
| Loans ÷ deposits | 77.4% (stronger) | 101.8% |
| Uninsured deposits | 35.6% | 29.5% (stronger) |
| Offices | 24 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 6.5% |
The First National Bank of Fort Smith has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fort Smith leads on 5 and First Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.