B
The First National Bank of Fort Smith
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.17
Return On
Assets
1.86%
Total
Assets
2.27B
Capital
282.11M
Total
Deposits
1.97B
Net
Income
41.92M
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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 2.60
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 3.85%
5-Year Asset Growth 5.56%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.51%
Non-Performing Loans to Loans 0.17%
Balance Sheet The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Total Assets 2.27B
Total Deposits 1.97B
Capital and Reserves The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Capital 282.11M
Leverage Ratio 11.17
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 12.53%
Liquidity Ratio 15.00%
Profitability The First National Bank of Fort Smith
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5-Year Return on Average Assets 1.54%
Net Income 41.92M
Net Interest Spread 4.29%
Operating Profit to Average Assets 2.38%
Overhead Efficiency Ratio 50.11%
Return on Assets 1.86%
Return on Equity 14.47%