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Overview / Commentary
870-239-8521
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 914st largest bank in the nation. It was established in 1889 and as of March of 2014, it had grown to 162 employees at 9 locations. First National Bank (3887) has a A+ health rating.

Reviews (1)

Wonderful!

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.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Bank (3887) had $2.43 million in non-current loans and owned real-estate with $105.18 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (3887) a Texas Ratio of 2.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for First National Bank (3887) experienced no significant changes from 1.54% as of March 31, 2013 to 2.31% as of March 31, 2014, resulting in a negative change of 50.32%. This indicates that the balance sheet and financial strength for First National Bank (3887) has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, First National Bank (3887) has increased its total deposits by $13.03 million, resulting in 2.16% 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 above average.

Capitalization

GRADE:
A+

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 $749.4 million in assets with $105.18 million in equity, resulting in a capitalization level of 14.04%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #3887
Year Established1889
Employees162
Primary RegulatorOCC
Assets and Liabilities
Assets$749.41 million
Loans$587.04 million
Deposits$617.43 million
Equity Capital$94.16 million
Loan Loss Allowance$11.03 million
Unbacked Noncurrent Loans$2.39 million
Real Estate Owned$45,000
Historic Data - March 2013
Assets$729.30 million
Equity Capital$86.61 million
Loan Loss Allowance$10.80 million
Unbacked Noncurrent Loans$2.39 million
Real Estate Owned$178,000
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets1.24%
Return on Equity10%
Interest Income$8.16 million
Rates

Always verify rates and promotions with the bank or credit union. We are not First National Bank (3887), we are a rate comparison website and can not provide official rates or promotions.

First National Bank (3887) Savings Account Rates

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

First National Bank (3887) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$50k-Working Money Account

First National Bank (3887) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$1,500-High Interest Checking Account
0.25%$1,500-Business Interest Checking Account
0.15%--Personal Interest Checking Account
0.15%--50+ Free Interest Checking Account
0.15%--VIP Free Interest Checking Account

First National Bank (3887) CD Rates

DetailsAPYMINMAXPRODUCT
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

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


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