🏦Bank Scorer

THE FIRST NATIONAL BANK OF FORT SMITH

FORT SMITH, AR · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1872FDIC #3,864
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.01%

Institution Profile

FDIC BankFind

Address

602 Garrison Ave, FORT SMITH, AR

County

Sebastian County

Established

February 29, 1872

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 3, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.0B

Net Loans

$1.6B

Net Income

$11M

ROA

2.01%

Above avg for Community banks. Peer avg: 0.90%

ROE

16.22%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.01%Peer avg: 0.90%▲ Above avg
Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg
Mortgage Denial Rate5.93%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

26

Branch Deposits

$2.0B

1-Year Change

-1

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202467474.63%5.93%
202360675.08%7.59%
202287566.4%7.09%
20211,11467.15%9.61%
20201,08175.39%7.22%
201969876.65%7.59%
201859874.41%9.03%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam DateRatingExam Type
Jul 2023SatisfactoryLarge Bank
Apr 2020SatisfactoryLarge Bank
Jan 2017OutstandingLarge Bank

6 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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