The First National Bank of Izard County
Calico Rock, AR
IDRSSD: 379649
Total Assets
$235.87M
Latest filing
Total Deposits
$162.98M
Latest filing
Net Interest Margin
4.94%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Izard County
2184 Ar 56 Hwy
Calico Rock, AR 72519
Full Service - Brick and Mortar
Updated 04/10/2026Established 05/01/1914FDIC Certificate 7180
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Izard County (Main) | 2184 Ar 56 Hwy | Calico Rock, AR |
| MOUNT PLEASANT BRANCH | 2 S Main St | Mount Pleasant, AR |
| HORSESHOE BEND BRANCH | 710 S Bend Dr | Horseshoe Bend, AR |
| MOUNTAIN VIEW BRANCH | 702 Sylamore Ave | Mountain View, AR |
| MELBOURNE BRANCH | 291 East Main Street | Melbourne, AR |
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 | 05/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72519 |
| State and County Number | 05005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | Mountain Home, AR |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbizardcounty.com |
| Data Updated | 04/10/2026 |
| CERT | 11252 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $235.87M |
| Total Deposits | $162.98M |
| Total Liabilities | $166.16M |
| Total Equity Capital | $69.72M |
| Net Income | $1.76M |
| Net Loans and Leases | $114.51M |
| Assets Per Employee ($Millions) | $6.21M |
| Bank Premises and Fixed Assets | $2.18M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $162.98M |
Key Performance Ratios
| Return on Assets (ROA) | 3.02% |
| Return on Equity (ROE) | 10.22% |
| Net Interest Margin | 4.94% |
| Efficiency Ratio | 38.89% |
| 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 | 29.557% |
| Earning Assets to total Assets | 89.01% |
Income and Expense
| Total Interest Income | $3.13M |
| Total Noninterest Income | $811.00k |
| Total Interest Expense | $566.00k |
| Total Noninterest Expense | $1.31M |
| Net Interest Income | $2.56M |
| Pre-tax Net Operating Income | $2.06M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $68.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $22.48M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.17M |
| Total Liabilities and Capital | $235.87M |
Securities
| Securities | $62.83M |
| Available-for-sale debt securities | $61.02M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.81M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Izard County?
$235.87M as of the latest filing.
How much are The First National Bank of Izard County's total deposits?
$162.98M in total deposits.
Where is The First National Bank of Izard County located?
Calico Rock, AR.
What is the Net Interest Margin?
4.94%.
How many domestic offices does it operate?
5.
When was it established?
05/01/1914.
What is the Return on Assets (ROA)?
3.02%.
How much are total loans and leases?
$114.51M (latest filing).
What is the total interest income (latest filing)?
$3.13M.