First National Bank Of Commerce: how it compares with its peers
Against 34 AR banks with half to twice its assets, First National Bank Of Commerce's strongest measure in Q2 2026 is return on assets (1.52% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.21% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 4.14% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.01% | 64.37% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.2M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.18% | 81.85% | Context |
What it means for lending operations
Its efficiency ratio of 63.01% is better than the 64.37% 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
- United Bank Springdale, AR · $296M
- Merchants and Farmers Bank Dumas, AR · $298M
- Farmers Bank Greenwood, AR · $289M
- Horatio State Bank Horatio, AR · $312M
- PEOPLES BANK Sheridan, AR · $314M
- First State Bank Lonoke, AR · $328M
Questions about First National Bank Of Commerce
How big is First National Bank Of Commerce?
First National Bank Of Commerce, established in 1919, is headquartered in Walnut Ridge, AR. It reported $297M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank Of Commerce's return on assets?
1.52% annualized in Q2 2026, against a 1.21% median for 34 AR banks with half to twice its assets, ahead of 68% of them.
What is First National Bank Of Commerce's efficiency ratio?
63.01% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.37%, and lower is better.
Is First National Bank Of Commerce growing its loans?
Net loans grew 24.2% 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.