First National Bank Of Commerce
Walnut Ridge, AR
IDRSSD: 799948
Total Assets
$291.38M
Latest filing
Total Deposits
$265.99M
Latest filing
Net Interest Margin
3.61%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank Of Commerce
206 W Main St
Walnut Ridge, AR 72476
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/27/1919FDIC Certificate 2542
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank Of Commerce (Main) | 206 W Main St | Walnut Ridge, AR |
| HOXIE BRANCH | 300 Sw Texas St | Hoxie, AR |
| POCAHONTAS BRANCH | 1755 Highway 62 W | Pocahontas, AR |
| BONO BRANCH | 131 Highway 63 N | Bono, AR |
| IMBODEN BRANCH | 1115 W 3rd St | Imboden, AR |
| POCAHONTAS THOMASVILLE BRANCH | 1603 N Thomasville Ave | Pocahontas, AR |
Showing 5 of 5
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 | 03/27/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72476 |
| State and County Number | 05075 |
| Subchapter S Corporations | Yes |
| 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 | N/A |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/15/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstnb.bank |
| Data Updated | 11/14/2025 |
| CERT | 3896 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $291.38M |
| Total Deposits | $265.99M |
| Total Liabilities | $267.80M |
| Total Equity Capital | $23.58M |
| Net Income | $612.00k |
| Net Loans and Leases | $135.06M |
| Assets Per Employee ($Millions) | $5.2M |
| Bank Premises and Fixed Assets | $9.91M |
| Cash and Balances due from Depository Institutions | $13.98M |
| Deposits Held in Domestic Offices | $265.99M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 10.98% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 73.76% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.092% |
| Earning Assets to total Assets | 91.04% |
Income and Expense
| Total Interest Income | $3.36M |
| Total Noninterest Income | $412.00k |
| Total Interest Expense | $993.00k |
| Total Noninterest Expense | $2.05M |
| Net Interest Income | $2.37M |
| Pre-tax Net Operating Income | $545.00k |
| Provision for Credit Losses | $184.00k |
| 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 | $231.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $79.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.58M |
| Total Liabilities and Capital | $291.38M |
Securities
| Securities | $120.96M |
| Available-for-sale debt securities | $120.96M |
| 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 Commerce?
$291.38M as of the latest filing.
How much are First National Bank Of Commerce's total deposits?
$265.99M in total deposits.
Where is First National Bank Of Commerce located?
Walnut Ridge, AR.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
6.
When was it established?
03/27/1919.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$135.06M (latest filing).
What is the total interest income (latest filing)?
$3.36M.