First National Bank of Clarksdale
Clarksdale, MS
IDRSSD: 11640
Total Assets
$393.36M
Latest filing
Total Deposits
$351.04M
Latest filing
Net Interest Margin
3.44%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084201029CLARKSDALE, MS
Key People
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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 01/30/2026Established 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
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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 | 01/30/2026 |
| CERT | 19070 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $393.36M |
| Total Deposits | $351.04M |
| Total Liabilities | $354.00M |
| Total Equity Capital | $39.35M |
| Net Income | $829.00k |
| Net Loans and Leases | $246.32M |
| Assets Per Employee ($Millions) | $8.37M |
| Bank Premises and Fixed Assets | $3.71M |
| Cash and Balances due from Depository Institutions | $15.97M |
| Deposits Held in Domestic Offices | $351.04M |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 8.21% |
| Net Interest Margin | 3.44% |
| Efficiency Ratio | 56.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.004% |
| Earning Assets to total Assets | 90.66% |
Income and Expense
| Total Interest Income | $4.76M |
| Total Noninterest Income | $339.00k |
| Total Interest Expense | $1.74M |
| Total Noninterest Expense | $1.91M |
| Net Interest Income | $3.02M |
| Pre-tax Net Operating Income | $1.44M |
| Provision for Credit Losses | $10.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.96M |
| Total Liabilities and Capital | $393.36M |
Securities
| Securities | $103.36M |
| Available-for-sale debt securities | $103.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$393.36M as of the latest filing.
How much are First National Bank of Clarksdale's total deposits?
$351.04M in total deposits.
Where is First National Bank of Clarksdale located?
Clarksdale, MS.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
5.
When was it established?
04/01/1964.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$246.32M (latest filing).
What is the total interest income (latest filing)?
$4.76M.