First National Bank Of Commerce
Total assets
$296.6M
▲ +3.7% YoY
Deposits
$268.8M
▲ +2.2% YoY
Loans
$156.4M
▲ +24.2% YoY
Offices
6
FIRST NATIONAL CAPITAL CORP
ROA (annualized)
1.52%
peers 1.24%
ROE (annualized)
18.00%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +24.2% | +5.6% | +18.6 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 18.0% | 11.9% | +6.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1919
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST NATIONAL CAPITAL CORP
- Specialization
- Agricultural Specialization
- Address
- 206 W Main St, Walnut Ridge, AR, 72476
- County
- Lawrence
- Offices
- 6
- FDIC cert #
- 3896
- RSSD ID
- 799948
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.6M | $268.8M | $156.4M | $26.4M | $2.3M | 1.52% | 4.06% | 0.09% |
| Q1 2026 | $308.4M | $281.8M | $148.2M | $24.5M | $1.1M | 1.39% | 3.91% | 0.12% |
| Q4 2025 | $297.0M | $270.0M | $141.1M | $25.4M | $3.0M | 1.04% | 3.58% | 0.15% |
| Q3 2025 | $291.4M | $266.0M | $135.1M | $23.6M | $1.8M | 0.85% | 3.51% | 0.17% |
| Q2 2025 | $285.9M | $263.0M | $125.9M | $21.0M | $1.2M | 0.86% | 3.47% | 0.07% |
| Q1 2025 | $287.5M | $264.4M | $124.8M | $21.6M | $582K | 0.81% | 3.43% | 0.11% |
| Q4 2024 | $287.1M | $265.0M | $124.3M | $20.7M | $2.6M | 0.89% | 3.12% | 0.12% |
| Q3 2024 | $289.6M | $264.3M | $127.7M | $23.0M | $1.5M | 0.72% | 3.01% | 0.10% |
Loan mix (Q2 2026): real estate $110.4M · commercial $16.9M · consumer $4.2M · securities $107.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 62.9% | 51th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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