The First National Bank of Izard County
Calico Rock, AR
IDRSSD: 379649
Total Assets
$230.75M
Latest filing
Total Deposits
$159.87M
Latest filing
Net Interest Margin
5.26%
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
2005 Highway 56
Calico Rock, AR 72519
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1914FDIC Certificate 7180
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Izard County (Main) | 2005 Highway 56 | Calico Rock, AR |
| MOUNT PLEASANT BRANCH | 4 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 | 05065 |
| 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 | N/A |
Operational Info
| Number of Employees | 36 |
| 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 | 01/30/2026 |
| CERT | 11252 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $230.75M |
| Total Deposits | $159.87M |
| Total Liabilities | $162.63M |
| Total Equity Capital | $68.11M |
| Net Income | $243.00k |
| Net Loans and Leases | $113.14M |
| Assets Per Employee ($Millions) | $5.92M |
| Bank Premises and Fixed Assets | $2.21M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $159.87M |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 1.43% |
| Net Interest Margin | 5.26% |
| Efficiency Ratio | 76.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.48% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 29.519% |
| Earning Assets to total Assets | 88.58% |
Income and Expense
| Total Interest Income | $3.26M |
| Total Noninterest Income | $429.00k |
| Total Interest Expense | $591.00k |
| Total Noninterest Expense | $2.38M |
| Net Interest Income | $2.67M |
| Pre-tax Net Operating Income | $445.00k |
| Provision for Credit Losses | $275.00k |
| 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 | $18.68M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.76M |
| Total Liabilities and Capital | $230.75M |
Securities
| Securities | $62.28M |
| Available-for-sale debt securities | $60.47M |
| 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?
$230.75M as of the latest filing.
How much are The First National Bank of Izard County's total deposits?
$159.87M in total deposits.
Where is The First National Bank of Izard County located?
Calico Rock, AR.
What is the Net Interest Margin?
5.26%.
How many domestic offices does it operate?
5.
When was it established?
05/01/1914.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$113.14M (latest filing).
What is the total interest income (latest filing)?
$3.26M.