B
The First National Bank of Fort Smith
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.08
Return On
Assets
2.02%
Total
Assets
2.31B
Capital
283.33M
Total
Deposits
2.01B
Net
Income
23.35M
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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 8.00
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 9.80
Stability Index 5.70
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 0.89%
5-Year Asset Growth 5.56%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 2.48%
Non-Performing Loans to Loans 0.35%
Balance Sheet The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Total Assets 2.31B
Total Deposits 2.01B
Capital and Reserves The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Capital 283.33M
Leverage Ratio 11.08
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Fort Smith
Fort Smith, AR 		Click to
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Hot Money Ratio 11.66%
Liquidity Ratio 16.39%
Profitability The First National Bank of Fort Smith
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5-Year Return on Average Assets 1.61%
Net Income 23.35M
Net Interest Spread 4.40%
Operating Profit to Average Assets 2.61%
Overhead Efficiency Ratio 47.94%
Return on Assets 2.02%
Return on Equity 16.46%