First National Bank (FDIC #3887): Bank Stress & Real-Estate Credit Exposure

First National Bank (FDIC Cert #3887): bank stress 61/100, elevated, STABLE over 7 days; parent FIRST PARAGOULD BANKSHARES INC.

First National Bank (#3887) lends in 9 counties across 2 states; First National Bank (#3887) reaches 135 ZIP codes: Arkansas 7 counties, 122 ZIPs; Tennessee 2 counties, 13 ZIPs.

First National Bank (#3887) largest markets: Pulaski County, AR (216 branches, 36 ZIPs) (#3887), Benton County, AR (44 branches, 22 ZIPs) (#3887), Washington County, AR (60 branches, 20 ZIPs) (#3887), Craighead County, AR (51 branches, 17 ZIPs) (#3887), Cleburne County, AR (17 branches, 17 ZIPs) (#3887), Clay County, AR (26 branches, 13 ZIPs) (#3887).

First National Bank (#3887) reports $2.59 billion in total assets; First National Bank (#3887) equity $299.6 million (11.6% of First National Bank (#3887) assets); First National Bank (#3887) domestic deposits $2.12 billion; First National Bank (#3887) net income $15.3 million; First National Bank (#3887) return on assets 1.20%; First National Bank (#3887) return on equity 10.46%; First National Bank (#3887) net interest income $45.5 million; First National Bank (#3887) call report June 30, 2026.

First National Bank (#3887) noncurrent real-estate loans: none reported; First National Bank (#3887) residential -0.02%; First National Bank (#3887) net charge-offs on real estate 0.19%.

First National Bank (#3887) net interest margin 3.86% against an eight-quarter First National Bank (#3887) average of 3.55% (First National Bank (#3887) compression -0.32 points); First National Bank (#3887) rate-exposure score 40/100, First National Bank (#3887) fixed-rate trap 40/100; First National Bank (#3887) risk type credit driven; First National Bank (#3887) rate regime rates elevated, First National Bank (#3887) snapshot October 20, 2026.

First National Bank (#3887) stress score moved from 61.8 on June 22, 2026 to 61 on October 20, 2026; First National Bank (#3887) ranged 61 to 61.8 over 117 snapshots.

First National Bank (#3887) alerts: 9 counties; top First National Bank (#3887) alert scores: Hartsville County, AR 21 (low); Heber Springs County, AR 21 (low); Hendersonville County, AR 21 (low); Jonesboro County, AR 21 (low); North Little Rock County, AR 21 (low).