B
The First National Bank of Fort Smith
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.02
Return On
Assets
1.85%
Total
Assets
2.26B
Capital
300.95M
Total
Deposits
1.93B
Net
Income
31.18M
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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 6.90
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 9.50
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 5.17%
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 1.29%
Non-Performing Loans to Capital 5.86%
Non-Performing Loans to Loans 1.87%
Balance Sheet The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Total Assets 2.26B
Total Deposits 1.93B
Capital and Reserves The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Capital 300.95M
Leverage Ratio 12.02
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Hot Money Ratio 14.11%
Liquidity Ratio 16.28%
Profitability The First National Bank of Fort Smith
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5-Year Return on Average Assets 1.54%
Net Income 31.18M
Net Interest Spread 4.28%
Operating Profit to Average Assets 2.39%
Overhead Efficiency Ratio 49.33%
Return on Assets 1.85%
Return on Equity 14.39%