First National Bank of Clarksdale
Clarksdale, MS
IDRSSD: 11640
Total Assets
$381.94M
Latest filing
Total Deposits
$329.84M
Latest filing
Net Interest Margin
3.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Clarksdale
402 E 2nd St
Clarksdale, MS 38614
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1964FDIC Certificate 12904
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Clarksdale (Main) | 402 E 2nd St | Clarksdale, MS |
| WESTGATE BRANCH | 1009 Lee Dr | Clarksdale, MS |
| NORTSIDE BRANCH | 112 Lee Dr | Clarksdale, MS |
| UNIVERSITY AVENUE BRANCH | 3043 University Avenue | Oxford, MS |
| BANK OF OXFORD- JACKSON AVENUE BRANCH | 2531 Jackson Ave W | Oxford, MS |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/01/1964 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38614 |
| State and County Number | 28027 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Clarksdale, MS |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/15/2022 |
| Date of Deposit Insurance | 04/01/1964 |
| Primary Insurance Agency | DIF |
| Website | www.fnbclarksdale.com |
| Data Updated | 11/14/2025 |
| CERT | 19070 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $381.94M |
| Total Deposits | $329.84M |
| Total Liabilities | $340.55M |
| Total Equity Capital | $41.40M |
| Net Income | $828.00k |
| Net Loans and Leases | $237.70M |
| Assets Per Employee ($Millions) | $8.13M |
| Bank Premises and Fixed Assets | $3.49M |
| Cash and Balances due from Depository Institutions | $8.07M |
| Deposits Held in Domestic Offices | $329.84M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 8.3% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 77.25% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.838% |
| Earning Assets to total Assets | 90.77% |
Income and Expense
| Total Interest Income | $4.87M |
| Total Noninterest Income | $243.00k |
| Total Interest Expense | $1.86M |
| Total Noninterest Expense | $2.51M |
| Net Interest Income | $3.00M |
| Pre-tax Net Operating Income | $739.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $6.40M |
| All Other Liabilities | $4.30M |
| Total Liabilities and Capital | $381.94M |
Securities
| Securities | $108.52M |
| Available-for-sale debt securities | $108.52M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Clarksdale?
$381.94M as of the latest filing.
How much are First National Bank of Clarksdale's total deposits?
$329.84M in total deposits.
Where is First National Bank of Clarksdale located?
Clarksdale, MS.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
5.
When was it established?
04/01/1964.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$237.70M (latest filing).
What is the total interest income (latest filing)?
$4.87M.