What is The First National Bank of Fort Smith's financial health grade?

The First National Bank of Fort Smith has a TFS Financial Health Grade of A- (score: 86.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The First National Bank of Fort Smith have?

The First National Bank of Fort Smith has 26 branch locations across the United States.

Is The First National Bank of Fort Smith FDIC insured?

Yes, The First National Bank of Fort Smith is FDIC insured (Certificate #3864).

What are the total assets of The First National Bank of Fort Smith?

The First National Bank of Fort Smith has total assets of $2.3B as reported in its most recent FDIC filing.

The First National Bank of Fort Smith: TFS Grade & Financial Health

BankFort Smith, Arkansas

www.fnbfs.com

Compare The First National Bank of Fort SmithCD withdrawal tools

Total Assets

$2.3B

Total Deposits

$2.0B

Branches

Established

1872

The First National Bank of Fort Smith is a bank headquartered in Fort Smith, Arkansas, established in 1872. It holds $2.3B in total assets across 26 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The First National Bank of Fort Smith earns a TFS Financial Health Grade of A- (86.9/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

A-

86.9 / 100

Excellent financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

11.08%(8%)

Total Capital Ratio—

Non-Performing Loan Ratio

0.44%

Profitability

Return on Assets (ROA)

2.04%(1%)

Return on Equity (ROE)

16.48%(10%)

Net Interest Margin

4.52%

Efficiency Ratio

47.66%(60%)

Lending & Liquidity

Total Loans

$1.6B

Loan-to-Deposit Ratio

77.37%

Net Charge-Off Ratio

0.03%

Other banks in Arkansas

Bank OZK

Bank

Little Rock, AR

$41.7B

Arvest Bank

Bank

Fayetteville, AR

$28.1B

B-

Simmons Bank

Bank

Pine Bluff, AR

$24.7B

C+

Centennial Bank

Bank

Branch	Address	City	State	Type
The First National Bank of Fort SmithHQ	602 Garrison Ave	Fort Smith	AR	11
The First National Bank of Fort Smith	401 Sw A St	Bentonville	AR	11
The First National Bank of Fort Smith	350 E Centerton Blvd	Centerton	AR	11
The First National Bank of Fort Smith	225 E Main St	Charleston	AR	11
The First National Bank of Fort Smith	2638 E Joyce Blvd Ste 100	Fayetteville	AR	11
The First National Bank of Fort Smith	800 Phoenix Ave	Fort Smith	AR	11
The First National Bank of Fort Smith	7410 Rogers Ave	Fort Smith	AR	11
The First National Bank of Fort Smith	3515 Greenwood Road	Fort Smith	AR	11
The First National Bank of Fort Smith	2727 Grand Ave	Fort Smith	AR	11
The First National Bank of Fort Smith	9300 Highway 71 S	Fort Smith	AR	11
The First National Bank of Fort Smith	2000 Midland Blvd	Fort Smith	AR	11
The First National Bank of Fort Smith	5201 Rogers Ave	Fort Smith	AR	11
The First National Bank of Fort Smith	8225 S Zero St	Fort Smith	AR	11
The First National Bank of Fort Smith	311 E Center St	Greenwood	AR	11
The First National Bank of Fort Smith	400 W Main St	Lavaca	AR	11
The First National Bank of Fort Smith	801 N Dixieland Rd	Rogers	AR	11
The First National Bank of Fort Smith	3706 Pinnacle Parkway Hill	Rogers	AR	11
The First National Bank of Fort Smith	78 West 1st Street	Heavener	OK	11
The First National Bank of Fort Smith	202 North Kentucky Avenue	Panama	OK	23
The First National Bank of Fort Smith	802 N Pocola Blvd	Pocola	OK	11
The First National Bank of Fort Smith	209 Clayton Ave	Poteau	OK	11
The First National Bank of Fort Smith	1907 N Broadway St	Poteau	OK	11
The First National Bank of Fort Smith	401 E Ray Fine Blvd	Roland	OK	11
The First National Bank of Fort Smith	1500 E Cherokee Ave	Sallisaw	OK	23
The First National Bank of Fort Smith	1000 S Kerr Blvd	Sallisaw	OK	11
The First National Bank of Fort Smith	701 E Main St	Stigler	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #3864

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

The First National Bank of Fort Smith compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

86.9

better than peers

85th percentileMedian 78.4

Tier 1 capital ratio

11.08%

better than peers

65th percentileMedian 10.04%

Return on assets

2.04%

better than peers

88th percentileMedian 1.30%

Non-performing loans

0.44%

better than peers

57th percentileMedian 0.51%

Efficiency ratio

47.66%

better than peers

87th percentileMedian 59.48%

Asset growth (YoY)

0.89%

worse than peers

17th percentileMedian 6.22%

Suggested direct comparisons

Closest useful peers

View AR rankings

B+

Same state

First National Bank

Paragould, AR

$2.6B

B-

Same state

First Financial Bank

El Dorado, AR

$2.0B

Same state

The Farmers & Merchants Bank

The First National Bank of Fort Smith: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Arkansas

Bank OZK

Arvest Bank

Simmons Bank

Centennial Bank

Growth

Institution Details

The First National Bank of Fort Smith compared with similar banks

Closest useful peers

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