Fnbc Bank
Ash Flat, Arkansas · FDIC Cert #1294
Fnbc Bank is an FDIC-insured bank (Certificate #1294) with $799M in total assets and $632M in total deposits as of the Q2 2024 Call Report. Headquartered in Ash Flat, Arkansas, the bank maintains a Tier 1 capital ratio of 11.00% (Well-Capitalized) and a nonperforming loan ratio of 0.37%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fnbc Bank (FDIC cert 1294) is a community bank — $799M in total assets, $632M in deposits, serving the Ash Flat, Arkansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.00% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.37% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 28.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.63% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Fnbc Bank carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fnbc Bank
- Total Assets
- $799M
- Total Deposits
- $632M
- Tier 1 Capital Ratio
- 11.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.37%
- Liquidity Ratio
- 28.23%
- Return on Assets
- 0.63%
- Headquarters
- Ash Flat, Arkansas
- FDIC Certificate
- #1294
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fnbc Bank holds a Tier 1 capital ratio of 11.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fnbc Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fnbc Bank shows strong financial health indicators. With $799M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fnbc Bank Compares
Fnbc Bank’s Health Score of 80 is 14 points above the Arkansas state average of 66 across 57 FDIC-insured banks. Its 11.00% Tier 1 capital ratio is 3.0 points below the US banking industry average near 14%. The 0.37% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.63% is below the national ROA benchmark of ~1.1%. Among 1162 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Fnbc Bank is 10 points above the portfolio average of 70.
Frequently Asked Questions
Fnbc Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fnbc Bank's Tier 1 capital ratio of 11.00% and nonperforming loan ratio of 0.37% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fnbc Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1294). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fnbc Bank holds $799M in total assets and $632M in total deposits. It is headquartered in Ash Flat, Arkansas (FDIC Certificate #1294).
Fnbc Bank has a Tier 1 capital ratio of 11.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.37%, and the return on assets is 0.63%.
Yes. Fnbc Bank is FDIC-insured (Certificate #1294). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fnbc Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.