The First National Bank of Fort Smith: how it compares with its peers
Against 15 AR banks with half to twice its assets, The First National Bank of Fort Smith's strongest measure in Q2 2026 is efficiency ratio (47.66% vs. a 57.44% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.04% | 1.32% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.52% | 4.01% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.66% | 57.44% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $7.1M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.37% | 90.57% | Context |
What it means for lending operations
Its efficiency ratio of 47.66% is better than the 57.44% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank Paragould, AR · $2.59B
- First Financial Bank El Dorado, AR · $2.04B
- The Farmers & Merchants Bank Stuttgart, AR · $2.02B
- Signature Bank of Arkansas Fayetteville, AR · $1.63B
- The Citizens Bank Batesville, AR · $1.62B
- Uplift Bank Arkadelphia, AR · $3.01B
Questions about The First National Bank of Fort Smith
How big is The First National Bank of Fort Smith?
The First National Bank of Fort Smith, established in 1872, is headquartered in Fort Smith, AR. It reported $2.31B in total assets in its Q2 2026 FDIC call report and operates 26 offices.
What is The First National Bank of Fort Smith's return on assets?
2.04% annualized in Q2 2026, against a 1.32% median for 15 AR banks with half to twice its assets, ahead of 87% of them.
What is The First National Bank of Fort Smith's efficiency ratio?
47.66% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 57.44%, and lower is better.
Is The First National Bank of Fort Smith growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 2.2%.
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.