B
The First National Bank of Fort Smith
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.65
Return On
Assets
1.88%
Total
Assets
2.29B
Capital
288.70M
Total
Deposits
1.97B
Net
Income
21.05M
My Lists My Alerts
Weiss Ratings The First National Bank of Fort Smith
Fort Smith, AR 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 9.30
Stability Index 6.30
Company Info The First National Bank of Fort Smith
Fort Smith, AR 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 6.79%
5-Year Asset Growth 12.36%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 1.16%
Non-Performing Loans to Loans 0.14%
Balance Sheet The First National Bank of Fort Smith
Fort Smith, AR 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 2.29B
Total Deposits 1.97B
Capital and Reserves The First National Bank of Fort Smith
Fort Smith, AR 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 288.70M
Leverage Ratio 11.65
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Fort Smith
Fort Smith, AR 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 13.73%
Liquidity Ratio 16.71%
Profitability The First National Bank of Fort Smith
Fort Smith, AR 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.54%
Net Income 21.05M
Net Interest Spread 4.22%
Operating Profit to Average Assets 2.43%
Overhead Efficiency Ratio 49.00%
Return on Assets 1.88%
Return on Equity 14.71%