Visbanking Logo
Skip to main content

The First National Bank Of Fort Smith

IDRSSD: 397540
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 397540 held $2.3B in total assets as of 2026-03-31 (+1.0% quarter-over-quarter). Total loans stood at $1.6B (+0.1% QoQ) and total deposits at $2.0B (+1.2% QoQ).

Overall position is adequate — the composite Health Score is 68/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the above median of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
68/100
Adequate
Active Alerts
3
1 critical, 2 warning
Total Assets
$2.3B
+1.0% QoQ
Total Loans
$1.6B
+0.1% QoQ
Total Deposits
$2.0B
+1.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
13th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
12th pctile · n=500↑ better

Liquidity

Cash / Assets
5.86%
51th pctile · n=500↑ better
-72 bp QoQ
Loans / Deposits
78.96%
32th pctile · n=498↓ better
-87 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.27%
28th pctile · n=500↓ better
+1 bp QoQ
NPA / Assets
0.19%
26th pctile · n=500↓ better
+1 bp QoQ
Texas Ratio (regulatory)
1.58%
24th pctile · n=500↓ better
+3 bp QoQ
Net Charge-Offs / Avg Loans
0.02%
53th pctile · n=500↓ better
ALLL Coverage of NPL
520.44%
79th pctile · n=500↑ better
-991 bp QoQ

Earnings

Net Interest Margin
4.51%
87th pctile · n=500↑ better
+9 bp QoQ
Return on Assets
2.01%
91th pctile · n=500↑ better
+12 bp QoQ
Return on Equity
16.22%
81th pctile · n=500↑ better
+149 bp QoQ
Efficiency Ratio
47.93%
14th pctile · n=500↓ better
-421 bp QoQ
Pre-tax NOI / Avg Assets
2.60%
93th pctile · n=500↑ better
+26 bp QoQ

Funding

Brokered / Deposits
0.00%
17th pctile · n=498↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.03%
31th pctile · n=500↓ better
-0 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
18.27%
65th pctile · n=500↑ better
+122 bp QoQ
AFS Securities / Assets
12.91%
53th pctile · n=500↑ better
+156 bp QoQ
HTM Securities / Assets
5.36%
88th pctile · n=500↑ better
-34 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 16:12:35 UTC