FNBC Bank: how it compares with its peers
Against 26 AR banks with half to twice its assets, FNBC Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 3.92% peer median). Its weakest relative measure is efficiency ratio (60.92% vs. 57.49%).
| Measure | FNBC Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.34% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.92% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.92% | 57.49% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.7M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.57% | 85.98% | Context |
What it means for lending operations
Its efficiency ratio of 60.92% is above the 57.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Western Bank Booneville, AR · $793M
- Stone Bank Mountain View, AR · $951M
- Central Bank Little Rock, AR · $955M
- Diamond Bank Murfreesboro, AR · $957M
- The Malvern National Bank Malvern, AR · $728M
- Union Bank Mena, AR · $710M
Questions about FNBC Bank
How big is FNBC Bank?
FNBC Bank, established in 1912, is headquartered in Ash Flat, AR. It reported $843M in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is FNBC Bank's return on assets?
1.60% annualized in Q2 2026, against a 1.34% median for 26 AR banks with half to twice its assets, ahead of 69% of them.
What is FNBC Bank's efficiency ratio?
60.92% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.49%, and lower is better.
Is FNBC Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.