The First National Bank of Fort Smith
Fort Smith, AR
IDRSSD: 397540
Total Assets
$2.26B
Latest filing
Total Deposits
$1.93B
Latest filing
Net Interest Margin
4.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Fort Smith
602 Garrison Ave
Fort Smith, AR 72901
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/29/1872FDIC Certificate 2519
Branches (25)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The First National Bank of Fort Smith (Main) | 602 Garrison Ave | Fort Smith, AR |
| CHARLESTON BRANCH | 225 E Main St | Charleston, AR |
| GRAND AVENUE BRANCH | 2727 Grand Ave | Fort Smith, AR |
| BROOKEN HILL BRANCH | 9300 Highway 71 S | Fort Smith, AR |
| MIDLAND BOULEVARD BRANCH | 2000 Midland Blvd | Fort Smith, AR |
| CENTRAL MALL BRANCH | 5201 Rogers Ave | Fort Smith, AR |
| PHOENIX BRANCH | 800 Phoenix Ave | Fort Smith, AR |
| STONEWOOD BRANCH | 7410 Rogers Ave | Fort Smith, AR |
Showing 7 of 25
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 | 02/29/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72901 |
| State and County Number | 05131 |
| 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 | Fort Smith, AR-OK |
Operational Info
| Number of Employees | 384 |
| Domestic Offices | 26 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/04/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbfs.com |
| Data Updated | 11/14/2025 |
| CERT | 3864 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.26B |
| Total Deposits | $1.93B |
| Total Liabilities | $1.96B |
| Total Equity Capital | $300.95M |
| Net Income | $10.13M |
| Net Loans and Leases | $1.54B |
| Assets Per Employee ($Millions) | $5.96M |
| Bank Premises and Fixed Assets | $32.10M |
| Cash and Balances due from Depository Institutions | $170.34M |
| Deposits Held in Domestic Offices | $1.93B |
Key Performance Ratios
| Return on Assets (ROA) | 1.78% |
| Return on Equity (ROE) | 13.75% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 49.66% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.288% |
| Earning Assets to total Assets | 90.46% |
Income and Expense
| Total Interest Income | $31.42M |
| Total Noninterest Income | $6.09M |
| Total Interest Expense | $8.30M |
| Total Noninterest Expense | $14.59M |
| Net Interest Income | $23.12M |
| Pre-tax Net Operating Income | $14.12M |
| Provision for Credit Losses | $500.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $111.00k |
| Other borrowed funds | $721.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $31.46M |
| Total Liabilities and Capital | $2.26B |
Securities
| Securities | $385.26M |
| Available-for-sale debt securities | $248.10M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $137.16M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Fort Smith?
$2.26B as of the latest filing.
How much are The First National Bank of Fort Smith's total deposits?
$1.93B in total deposits.
Where is The First National Bank of Fort Smith located?
Fort Smith, AR.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
26.
When was it established?
02/29/1872.
What is the Return on Assets (ROA)?
1.78%.
How much are total loans and leases?
$1.54B (latest filing).
What is the total interest income (latest filing)?
$31.42M.