B
The First National Bank of Fort Smith
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.15
Return On
Assets
1.93%
Total
Assets
2.23B
Capital
289.23M
Total
Deposits
1.91B
Net
Income
10.58M
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Weiss Ratings The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 8.90
Stability Index 6.30
Company Info The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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FDIC Number 3864
Phone Number (479) 788-4600
Website www.fnbfs.com
Asset Quality The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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1-Year Asset Growth 4.18%
5-Year Asset Growth 12.36%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 1.35%
Non-Performing Loans to Loans 0.06%
Balance Sheet The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Total Assets 2.23B
Total Deposits 1.91B
Capital and Reserves The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Capital 289.23M
Leverage Ratio 12.15
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Hot Money Ratio 12.61%
Liquidity Ratio 16.19%
Profitability The First National Bank of Fort Smith
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5-Year Return on Average Assets 1.54%
Net Income 10.58M
Net Interest Spread 4.17%
Operating Profit to Average Assets 2.49%
Overhead Efficiency Ratio 50.67%
Return on Assets 1.93%
Return on Equity 14.95%