First Nb Of Commerce (FDIC #3896): Bank Stress & Real-Estate Credit Exposure

First Nb Of Commerce (FDIC Cert #3896): bank stress 64/100, elevated, STABLE over 7 days; parent FIRST NATIONAL CAPITAL CORP.

First Nb Of Commerce (#3896) lends in 3 counties across 1 state; First Nb Of Commerce (#3896) reaches 38 ZIP codes: Arkansas 3 counties, 38 ZIPs.

First Nb Of Commerce (#3896) largest markets: Craighead County, AR (17 branches, 17 ZIPs) (#3896), Lawrence County, AR (42 branches, 14 ZIPs) (#3896), Randolph County, AR (22 branches, 11 ZIPs) (#3896).

First Nb Of Commerce (#3896) reports $296.6 million in total assets; First Nb Of Commerce (#3896) equity $26.4 million (8.9% of First Nb Of Commerce (#3896) assets); First Nb Of Commerce (#3896) domestic deposits $268.8 million; First Nb Of Commerce (#3896) net income $2.3 million; First Nb Of Commerce (#3896) return on assets 1.52%; First Nb Of Commerce (#3896) return on equity 18.00%; First Nb Of Commerce (#3896) net interest income $5.6 million; First Nb Of Commerce (#3896) call report June 30, 2026.

First Nb Of Commerce (#3896) noncurrent real-estate loans: none reported; First Nb Of Commerce (#3896) net charge-offs on real estate 0.24%.

First Nb Of Commerce (#3896) net interest margin 4.06% against an eight-quarter First Nb Of Commerce (#3896) average of 3.51% (First Nb Of Commerce (#3896) compression -0.55 points); First Nb Of Commerce (#3896) rate-exposure score 40/100, First Nb Of Commerce (#3896) fixed-rate trap 40/100; First Nb Of Commerce (#3896) risk type credit driven; First Nb Of Commerce (#3896) rate regime rates elevated, First Nb Of Commerce (#3896) snapshot October 19, 2026.

First Nb Of Commerce (#3896) stress score moved from 68.6 on June 22, 2026 to 63.9 on October 19, 2026; First Nb Of Commerce (#3896) ranged 63.9 to 68.6 over 116 snapshots.

First Nb Of Commerce (#3896) alerts: 3 counties; top First Nb Of Commerce (#3896) alert scores: Bono County, AR 22 (low); Pocahontas County, AR 22 (low); Walnut Ridge County, AR 22 (low).