First Nb Of Fort Smith (FDIC #3864): Bank Stress & Real-Estate Credit Exposure
First Nb Of Fort Smith (FDIC Cert #3864): bank stress 42/100, contained, STABLE over 7 days; parent FIRST BANK CORP.
First Nb Of Fort Smith (#3864) lends in 7 counties across 2 states; First Nb Of Fort Smith (#3864) reaches 100 ZIP codes: Arkansas 4 counties, 62 ZIPs; Oklahoma 3 counties, 38 ZIPs.
First Nb Of Fort Smith (#3864) largest markets: Le Flore County, OK (120 branches, 24 ZIPs) (#3864), Benton County, AR (88 branches, 22 ZIPs) (#3864), Washington County, AR (20 branches, 20 ZIPs) (#3864), Sebastian County, AR (187 branches, 17 ZIPs) (#3864), Franklin County, AR (13 branches, 13 ZIPs) (#3864), Sequoyah County, OK (27 branches, 9 ZIPs) (#3864).
First Nb Of Fort Smith (#3864) reports $2.31 billion in total assets; First Nb Of Fort Smith (#3864) equity $283.3 million (12.3% of First Nb Of Fort Smith (#3864) assets); First Nb Of Fort Smith (#3864) domestic deposits $2.01 billion; First Nb Of Fort Smith (#3864) net income $23.4 million; First Nb Of Fort Smith (#3864) return on assets 2.04%; First Nb Of Fort Smith (#3864) return on equity 16.48%; First Nb Of Fort Smith (#3864) net interest income $47.1 million; First Nb Of Fort Smith (#3864) call report June 30, 2026.
First Nb Of Fort Smith (#3864) noncurrent real-estate loans: none reported; First Nb Of Fort Smith (#3864) net charge-offs on real estate 0.28%; First Nb Of Fort Smith (#3864) residential charge-offs 0.30%.
First Nb Of Fort Smith (#3864) net interest margin 4.52% against an eight-quarter First Nb Of Fort Smith (#3864) average of 4.32% (First Nb Of Fort Smith (#3864) compression -0.19 points); First Nb Of Fort Smith (#3864) non-residential real estate 30.1% of equity; First Nb Of Fort Smith (#3864) rate-exposure score 40/100, First Nb Of Fort Smith (#3864) fixed-rate trap 40/100; First Nb Of Fort Smith (#3864) risk type credit driven; First Nb Of Fort Smith (#3864) rate regime rates elevated, First Nb Of Fort Smith (#3864) snapshot October 19, 2026.
First Nb Of Fort Smith (#3864) stress score moved from 40.7 on June 22, 2026 to 41.9 on October 20, 2026; First Nb Of Fort Smith (#3864) ranged 40.7 to 41.9 over 117 snapshots.
First Nb Of Fort Smith (#3864) alerts: 7 counties; top First Nb Of Fort Smith (#3864) alert scores: Charleston County, AR 17 (low); Fayetteville County, AR 17 (low); Lavaca County, AR 17 (low); Poteau County, AR 17 (low); Rogers County, AR 17 (low).