FNBC Bank
Ash Flat, AR
IDRSSD: 100843
Total Assets
$852.53M
Latest filing
Total Deposits
$700.91M
Latest filing
Net Interest Margin
4.37%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
082904991ASH FLAT, AR
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
FNBC Bank
636 Ash Flat Dr
Ash Flat, AR 72513
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1912FDIC Certificate 869
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| FNBC Bank (Main) | 636 Ash Flat Dr | Ash Flat, AR |
| MOUNTAIN GROVE BRANCH | 111 N Maple Ave | Mountain Grove, MO |
| CHEROKEE VILLAGE BRANCH | 10 Santee | Cherokee Village, AR |
| HARDY BRANCH | 201 W Main Street | Hardy, AR |
| WEST PLAINS NORTHWAY BRANCH | 1311 Porter Wagoner Blvd | West Plains, MO |
| SALEM BRANCH | 233 N Main St | Salem, AR |
| MELBOURNE BRANCH | 1069 E Main St | Melbourne, AR |
| WWW.FNBC.US BRANCH | 636 Ash Flat Dr | Ash Flat, AR |
Showing 7 of 16
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, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72513 |
| State and County Number | 05135 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Batesville, AR |
Operational Info
| Number of Employees | 125 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/05/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbc.us |
| Data Updated | 01/30/2026 |
| CERT | 1294 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $852.53M |
| Total Deposits | $700.91M |
| Total Liabilities | $789.01M |
| Total Equity Capital | $63.52M |
| Net Income | $2.74M |
| Net Loans and Leases | $591.43M |
| Assets Per Employee ($Millions) | $6.93M |
| Bank Premises and Fixed Assets | $18.36M |
| Cash and Balances due from Depository Institutions | $16.05M |
| Deposits Held in Domestic Offices | $700.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 17.45% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 63.95% |
| Tier 1 Risk-Based Capital Ratio | 11.511% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.451% |
| Earning Assets to total Assets | 94.07% |
Income and Expense
| Total Interest Income | $12.88M |
| Total Noninterest Income | $1.23M |
| Total Interest Expense | $4.22M |
| Total Noninterest Expense | $6.49M |
| Net Interest Income | $8.66M |
| Pre-tax Net Operating Income | $2.91M |
| Provision for Credit Losses | $495.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $113.00k |
| Other borrowed funds | $83.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.60M |
| Total Liabilities and Capital | $852.53M |
Securities
| Securities | $204.63M |
| Available-for-sale debt securities | $201.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.03M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNBC Bank?
$852.53M as of the latest filing.
How much are FNBC Bank's total deposits?
$700.91M 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)?
1.3%.
How much are total loans and leases?
$591.43M (latest filing).
What is the total interest income (latest filing)?
$12.88M.