FNBC Bank
Total assets
$843.3M
▲ +3.7% YoY
Deposits
$704.1M
▼ -1.2% YoY
Loans
$602.5M
▲ +8.7% YoY
Offices
17
FNBC BCORP INC
ROA (annualized)
1.60%
peers 1.28%
ROE (annualized)
20.71%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | FNBC Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| Loan growth (YoY) | +8.7% | +5.3% | +3.4 pts |
| ROA | 1.60% | 1.28% | +0.3 pts |
| ROE | 20.7% | 12.4% | +8.3 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- State
- Primary regulator
- FED
- Holding company
- FNBC BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 636 Ash Flat Dr, Ash Flat, AR, 72513
- County
- Sharp
- Metro area
- Batesville, AR
- Offices
- 17
- FDIC cert #
- 1294
- RSSD ID
- 100843
- 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 | $843.3M | $704.1M | $602.5M | $68.6M | $6.8M | 1.60% | 4.42% | 0.59% |
| Q1 2026 | $844.0M | $690.2M | $596.4M | $64.0M | $3.2M | 1.52% | 4.28% | 0.62% |
| Q4 2025 | $852.5M | $700.9M | $591.4M | $63.5M | $11.1M | 1.35% | 4.32% | 0.46% |
| Q3 2025 | $833.0M | $709.0M | $573.4M | $62.2M | $8.4M | 1.37% | 4.30% | 0.92% |
| Q2 2025 | $813.2M | $712.6M | $554.2M | $56.1M | $5.5M | 1.35% | 4.28% | 0.35% |
| Q1 2025 | $803.7M | $716.2M | $549.0M | $53.7M | $2.1M | 1.05% | 3.99% | 0.40% |
| Q4 2024 | $805.1M | $700.0M | $537.7M | $52.6M | $6.7M | 0.84% | 3.58% | 0.45% |
| Q3 2024 | $791.8M | $682.6M | $526.7M | $58.3M | $4.5M | 0.75% | 3.50% | 0.33% |
Loan mix (Q2 2026): real estate $496.0M · commercial $58.1M · consumer $37.4M · securities $188.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | FNBC Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.89% | 80th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 61.2% | 49th | |
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 | FNBC Bank | 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 | FNBC Bank | 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 | FNBC Bank | 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 | FNBC Bank | 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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