First National Bank of Fort Smith

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnbfs.com

479-788-4600

602 Garrison Avenue
Fort Smith, AR 72901

First National Bank of Fort Smith is headquartered in FORT SMITH and is the 11^th largest bank in the state of Arkansas. It is also the 538^th largest bank in the nation. It was established in 1872 and as of March of 2025, it had grown to 411 employees at 27 locations. First National Bank of Fort Smith's money market rates are 6X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3864
Year Established	1872
Employees	411
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.92%
Return on Equity - YTD	14.95%
Annual Interest Income	$29.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$2.23B$2.14B
Loans	Q1 2025vs Q1 2024	$1.52B$1.45B
Deposits	Q1 2025vs Q1 2024	$1.91B$1.85B
Equity Capital	Q1 2025vs Q1 2024	$289.2MM$261MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$19.1MM$17.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.8MM$2.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$251K$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First National Bank of Fort Smith Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%^*^†	$0	$5k	First Savers
OTHER TIERS: 1.00% → $5k+
2.02%^*^†	$100k^*	-	Health Savings Account
OTHER TIERS: 1.00% → $0 - $10k \| 1.26% → $10k - $25k \| 1.51% → $25k - $50k \| 1.76% → $50k - $100k
2.02%	$25	-	Savings - Online Only

First National Bank of Fort Smith Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%^*^†	$100k^*	-	Money Market Savings
OTHER TIERS: 1.00% → $0 - $10k \| 1.51% → $10k - $25k \| 2.02% → $25k - $50k \| 2.27% → $50k - $100k

First National Bank of Fort Smith Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.12%^*^†	$0	$20k	Max Checking - Online Only
OTHER TIERS: 1.00% → $20k+
2.53%^*^†	$100k^*	-	Prestige Platinum Checking
OTHER TIERS: 1.00% → $0 - $10k \| 1.51% → $10k - $25k \| 2.02% → $25k - $50k \| 2.27% → $50k - $100k

First National Bank of Fort Smith CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%^†	$5k	-	7 Month Fixed CD Special
3.14%^†	$5k	-	1 Year Fixed Rate CD
3.14%^†	$5k	-	2 Year Fixed Rate CD
3.14%^†	$5k	-	3 Year Fixed Rate CD
3.14%^†	$5k	-	Less than One Year CD

Locations

Availability

Ft. Smith Area

Ft. Smith Area bank & credit union details

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