B
First National Bank of Commerce
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.45
Return On
Assets
0.83%
Total
Assets
291.38M
Capital
23.58M
Total
Deposits
265.99M
Net
Income
1.84M
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Weiss Ratings First National Bank of Commerce
Walnut Ridge, AR 		Click to
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Rating B
Asset Quality Index 8.80
Capitalization Index 9.20
Liquidity Index 3.80
Profitability Index 3.80
Stability Index 4.90
Company Info First National Bank of Commerce
Walnut Ridge, AR 		Click to
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FDIC Number 3896
Phone Number (870) 886-5959
Website www.firstnb.bank
Asset Quality First National Bank of Commerce
Walnut Ridge, AR 		Click to
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1-Year Asset Growth 0.63%
5-Year Asset Growth 6.31%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.56%
Non-Performing Loans to Loans 0.57%
Balance Sheet First National Bank of Commerce
Walnut Ridge, AR 		Click to
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Total Assets 291.38M
Total Deposits 265.99M
Capital and Reserves First National Bank of Commerce
Walnut Ridge, AR 		Click to
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Capital 23.58M
Leverage Ratio 10.45
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio --
Liquidity First National Bank of Commerce
Walnut Ridge, AR 		Click to
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Hot Money Ratio 22.64%
Liquidity Ratio 28.30%
Profitability First National Bank of Commerce
Walnut Ridge, AR 		Click to
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5-Year Return on Average Assets 0.95%
Net Income 1.84M
Net Interest Spread 3.46%
Operating Profit to Average Assets 0.83%
Overhead Efficiency Ratio 75.93%
Return on Assets 0.83%
Return on Equity 11.38%