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FNBC Bank

Ash Flat, AR
IDRSSD: 100843
Total Assets
$832.99M
Latest filing
Total Deposits
$708.99M
Latest filing
Net Interest Margin
4.37%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date01/01/1912
Community BankYes
Ownership TypeNot Mutual
ZIP72513
State and County Number05135
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number08
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameBatesville, AR

Operational Info

Number of Employees126
Domestic Offices17
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date02/05/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.fnbc.us
Data Updated11/14/2025
CERT1294
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$832.99M
Total Deposits$708.99M
Total Liabilities$770.80M
Total Equity Capital$62.19M
Net Income$2.91M
Net Loans and Leases$573.36M
Assets Per Employee ($Millions)$6.66M
Bank Premises and Fixed Assets$18.46M
Cash and Balances due from Depository Institutions$12.93M
Deposits Held in Domestic Offices$708.99M

Key Performance Ratios

Return on Assets (ROA)1.42%
Return on Equity (ROE)19.71%
Net Interest Margin4.37%
Efficiency Ratio63.64%
Tier 1 Risk-Based Capital Ratio11.803%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.19%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.466%
Earning Assets to total Assets94.12%

Income and Expense

Total Interest Income$12.67M
Total Noninterest Income$1.18M
Total Interest Expense$4.21M
Total Noninterest Expense$6.29M
Net Interest Income$8.46M
Pre-tax Net Operating Income$2.94M
Provision for Credit Losses$400.00k
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$57.60M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$4.21M
Total Liabilities and Capital$832.99M

Securities

Securities$207.96M
Available-for-sale debt securities$204.86M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$3.10M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of FNBC Bank?
$832.99M as of the latest filing.
How much are FNBC Bank's total deposits?
$708.99M in total deposits.
Where is FNBC Bank located?
Ash Flat, AR.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
17.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$573.36M (latest filing).
What is the total interest income (latest filing)?
$12.67M.