First National Bank Arkansas

First National Bank Arkansas is headquartered in Walnut Ridge and is the 55^th largest bank in the state of Arkansas. It is also the 3,311^st largest bank in the nation. It was established in 1919 and as of September of 2011, it had grown to 51 employees at 5 locations. First National Bank Arkansas' savings rates are 73% higher than the national average, and it boasts a 5-star health rating.

Related Posts

First National Bank Arkansas Checking Account Rates

First National Bank Arkansas Savings Account Rates

First National Bank Arkansas Money Market Rates

First National Bank Arkansas CD Rates

Data for Q3 2011

Institution Statistics The First National Bank of Lawrence County at Walnut Ridge FDIC Certificate # 3896 BankRate Report View Year Established 1919 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $184.08 million Loans $124.66 million Deposits $153.83 million Equity Capital $19.17 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $475,000 Real Estate Owned $152,000 Historic Data - September 2010 Assets $164.82 million Equity Capital $17.68 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $655,000 Real Estate Owned $172,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.29% Return on Equity 12.33% Interest Income $5.66 million

Institution Health Overall Score: 5 out of 5 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 September 30, 2011 First National Bank Arkansas had $627,000 in non-current loans and owned real-estate with $20.47 million in equity and loan loss allowances on hand to cover it. This gives First National Bank Arkansas a Texas Ratio of 3.06% 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 Arkansas decreased slightly from 4.36% as of September 30, 2010 to 3.06% as of September 30, 2011, resulting in a positive change of 29.73%.This indicates that the balance sheet and financial strength for First National Bank Arkansas has improved slightly in recent periods. Deposit Growth In the past year, First National Bank Arkansas has increased its total deposits by $8.12 million, resulting in 5.57% 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 Arkansas has shown is excellent. Capitalization 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 Arkansas has $184.08 million in assets with $20.47 million in equity, resulting in a capitalization level of 11.12%, which is above average.

No reviews have been left for this bank yet. Be the first to review.