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Second And Court Streets
Paragould, AR 72450

First National Bank (3887) is headquartered in Paragould and is the 13st largest bank in the state of Arkansas. It is also the 902nd largest bank in the nation. It was established in 1889 and as of December of 2013, it had grown to 159 employees at 8 locations. First National Bank (3887) has a A+ health rating.

Reviews (1)


I have been banking with First National Bank for a decade now and have experienced no problems. In all that time, they haven't screwed up my account balance even once! I know all the people at the Corning branch and a handful at the other branches, so transfers by phone and other such actions are a breeze. I've never had that sort of report with any other banking institution, even another local one I used for years before switching to FNB. I also enjoy the same day deposits and the fact that they count all deposits before drafts at the end of the day -- a great policy if you are close to overdrafting. They don't nickel and dime you with hidden fees, and everything is above board always.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First National Bank (3887) had $1.89 million in non-current loans and owned real-estate with $102.69 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (3887) a Texas Ratio of 1.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First National Bank (3887) decreased slightly from 2.22% as of December 31, 2012 to 1.84% as of December 31, 2013, resulting in a positive change of 17.05%.This indicates that the balance sheet and financial strength for First National Bank (3887) has improved slightly in recent periods.

Deposit Growth


In the past year, First National Bank (3887) has increased its total deposits by $25.62 million, resulting in 4.37% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank (3887) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank (3887) has $745.19 million in assets with $102.69 million in equity, resulting in a capitalization level of 13.78%, which is excellent.

Institution Statistics

FDIC Certificate #3887
Year Established1889
Primary RegulatorOCC
Assets and Liabilities
Assets$745.19 million
Loans$576.39 million
Deposits$611.26 million
Equity Capital$91.76 million
Loan Loss Allowance$10.93 million
Unbacked Noncurrent Loans$1.72 million
Real Estate Owned$171,000
Historic Data - December 2012
Assets$707.27 million
Equity Capital$84.34 million
Loan Loss Allowance$10.44 million
Unbacked Noncurrent Loans$1.72 million
Real Estate Owned$177,000
Profit Margin - Quarterly
Net Interest Margin3.82%
Return on Assets1.28%
Return on Equity10.54%
Interest Income$32.82 million

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First National Bank (3887) Savings Account Rates

0.50%--2013 Christmas Club Account
0.25%--Regular Savings Account
0.25%--Health Savings Account

First National Bank (3887) Money Market Rates

0.35%$50k-Working Money Account

First National Bank (3887) Checking Account Rates

0.25%$1,500-High Interest Checking Account
0.25%$1,500-Business Interest Checking Account
0.15%--Personal Interest Checking Account

First National Bank (3887) CD Rates

1.60%$1k-96 Month CD
1.20%$1k-58 Month CD
1.15%$1k-60 Month CD
1.00%$1k-38 Month CD
0.90%$1k-48 Month CD
0.80%$1k-36 Month CD
0.75%$1k-29 Month CD
0.60%$1k-30 Month CD
0.50%$1k-24 Month CD
0.45%$1k-10 Month CD
0.45%$1k-18 Month CD
0.30%$1k-12 Month CD
0.25%$1k-6 Month CD
0.15%$5k-90 Day CD
0.10%$5k-32 Day CD

First National Bank (3887) IRA Rates

1.60%$1k-96 Month IRA (Traditional,Roth,CESA)
1.20%$1k-58 Month IRA (Traditional,Roth,CESA)
1.15%$1k-60 Month IRA (Traditional,Roth,CESA)
1.00%$1k-38 Month IRA (Traditional,Roth,CESA)
0.90%$1k-48 Month IRA (Traditional,Roth,CESA)
0.80%$1k-36 Month IRA (Traditional,Roth,CESA)
0.75%$1k-29 Month IRA (Traditional,Roth,CESA)
0.60%$1k-30 Month IRA (Traditional,Roth,CESA)
0.50%$1k-24 Month IRA (Traditional,Roth,CESA)
0.45%$1k-10 Month IRA (Traditional,Roth,CESA)
0.45%$1k-18 Month IRA (Traditional,Roth,CESA)
0.30%$1k-12 Month IRA (Traditional,Roth,CESA)
0.25%$1k-6 Month IRA (Traditional,Roth,CESA)
0.15%$5k-90 Day IRA (Traditional,Roth,CESA)
0.10%$5k-32 Day IRA (Traditional,Roth,CESA)

First National Bank (3887) Locations
West Branch201 Linwood DrParagould, AR 72450
Knobel Branch210 Maple StreetKnobel, AR 72435
Highland Drive Branch2701 East Highland DriveJonesboro, AR 72401
Reynold's Road Branch2701 West Kings HighwayParagould, AR 72450
Jonesboro/Hilltop Branch3500 East Johnson AvenueJonesboro, AR 72401
Corning Banking Center612 Missouri AvenueCorning, AR 72422
Elk Park Branch912 Southwest DriveJonesboro, AR 72401
First National BankSecond and Court StreetsParagould, AR 72450