Fnbc Bank (FDIC #1294): Bank Stress & Real-Estate Credit Exposure
Fnbc Bank (FDIC Cert #1294): bank stress 65/100, elevated, STABLE over 7 days; parent FNBC BCORP INC.
Fnbc Bank (#1294) lends in 8 counties across 2 states; Fnbc Bank (#1294) reaches 105 ZIP codes: Arkansas 6 counties, 81 ZIPs; Missouri 2 counties, 24 ZIPs.
Fnbc Bank (#1294) largest markets: Independence County, AR (20 branches, 20 ZIPs) (#1294), Izard County, AR (40 branches, 20 ZIPs) (#1294), Craighead County, AR (17 branches, 17 ZIPs) (#1294), Fulton County, AR (28 branches, 14 ZIPs) (#1294), Howell County, MO (13 branches, 13 ZIPs) (#1294), Sharp County, AR (78 branches, 13 ZIPs) (#1294).
Fnbc Bank (#1294) reports $843.3 million in total assets; Fnbc Bank (#1294) equity $68.6 million (8.1% of Fnbc Bank (#1294) assets); Fnbc Bank (#1294) domestic deposits $704.1 million; Fnbc Bank (#1294) net income $6.8 million; Fnbc Bank (#1294) return on assets 1.60%; Fnbc Bank (#1294) return on equity 20.71%; Fnbc Bank (#1294) net interest income $17.6 million; Fnbc Bank (#1294) call report June 30, 2026.
Fnbc Bank (#1294) noncurrent real-estate loans 0.02% of its book; Fnbc Bank (#1294) net charge-offs on real estate 0.78%; Fnbc Bank (#1294) residential charge-offs 0.98%.
Fnbc Bank (#1294) net interest margin 4.42% against an eight-quarter Fnbc Bank (#1294) average of 4.08% (Fnbc Bank (#1294) compression -0.34 points); Fnbc Bank (#1294) real-estate loans 2.3% of equity; Fnbc Bank (#1294) non-residential real estate 98.2% of equity; Fnbc Bank (#1294) rate-exposure score 40/100, Fnbc Bank (#1294) fixed-rate trap 40/100; Fnbc Bank (#1294) risk type credit driven; Fnbc Bank (#1294) rate regime rates elevated, Fnbc Bank (#1294) snapshot October 19, 2026.
Fnbc Bank (#1294) stress score moved from 67.4 on June 22, 2026 to 65.1 on October 19, 2026; Fnbc Bank (#1294) ranged 65.1 to 67.4 over 116 snapshots.
Fnbc Bank (#1294) alerts: 8 counties; top Fnbc Bank (#1294) alert scores: Batesville County, AR 23 (low); Hardy County, AR 23 (low); Jonesboro County, AR 23 (low); Melbourne County, AR 23 (low); Mountain Grove County, AR 23 (low).