What is First National Bank's financial health grade?

First National Bank has a TFS Financial Health Grade of B+ (score: 82.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank have?

First National Bank has 23 branch locations across the United States.

Is First National Bank FDIC insured?

Yes, First National Bank is FDIC insured (Certificate #3887).

What are the total assets of First National Bank?

First National Bank has total assets of $2.6B as reported in its most recent FDIC filing.

First National Bank: TFS Grade & Financial Health

BankParagould, Arkansas

http://www.fnbank.net

Compare First National BankCD withdrawal tools

Total Assets

$2.6B

Total Deposits

$2.1B

Branches

Established

1889

First National Bank is a bank headquartered in Paragould, Arkansas, established in 1889. It holds $2.6B in total assets across 23 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First National Bank earns a TFS Financial Health Grade of B+ (82.9/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B+

82.9 / 100

Good 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

11.12%(8%)

Total Capital Ratio

14.68%(10%)

Non-Performing Loan Ratio

0.19%

Profitability

Return on Assets (ROA)

1.20%(1%)

Return on Equity (ROE)

10.46%(10%)

Net Interest Margin

3.86%

Efficiency Ratio

57.42%(60%)

Lending & Liquidity

Total Loans

$2.1B

Loan-to-Deposit Ratio

97.85%

Net Charge-Off Ratio

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
First National BankHQ	200 W Court St	Paragould	AR	11
First National Bank	300 Se Walton Blvd	Bentonville	AR	11
First National Bank	612 N Missouri Ave	Corning	AR	11
First National Bank	2691 E Mission Blvd	Fayetteville	AR	11
First National Bank	1324 Highway 25b	Heber Springs	AR	11
First National Bank	4000 Johnson Mill Blvd	Johnson	AR	11
First National Bank	912 Southwest Dr	Jonesboro	AR	11
First National Bank	3500 E Johnson Ave	Jonesboro	AR	11
First National Bank	2701 E Highland Dr	Jonesboro	AR	11
First National Bank	15721 Chenal Pkwy	Little Rock	AR	11
First National Bank	5601 Kavanaugh Blvd	Little Rock	AR	11
First National Bank	9601 Baptist Health Dr	Little Rock	AR	11
First National Bank	11101 N Rodney Parham Rd	Little Rock	AR	11
First National Bank	300 W Capitol Ave	Little Rock	AR	11
First National Bank	2424 Crestwood Rd	North Little Rock	AR	11
First National Bank	2701 W Kings Hwy	Paragould	AR	11
First National Bank	201 Linwood Dr	Paragould	AR	23
First National Bank	635 E Main St	Piggott	AR	11
First National Bank	3701 S Pinnacle Hills Pkwy	Rogers	AR	11
First National Bank	1950 S Pleasant St	Springdale	AR	11
First National Bank	150 W Main St	Gallatin	TN	11
First National Bank	100 Mcmurry Blvd E	Hartsville	TN	11
First National Bank	100 Cinema Dr	Hendersonville	TN	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 #3887

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

First National Bank 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

82.9

Near peers

62nd percentileMedian 80.6

Tier 1 capital ratio

11.12%

better than peers

58th percentileMedian 10.42%

Return on assets

1.20%

worse than peers

33rd percentileMedian 1.34%

Non-performing loans

0.19%

better than peers

82nd percentileMedian 0.50%

Efficiency ratio

57.42%

Near peers

53rd percentileMedian 57.95%

Asset growth (YoY)

3.18%

worse than peers

22nd percentileMedian 7.40%

Suggested direct comparisons

Closest useful peers

View AR rankings

A-

Same state

The First National Bank of Fort Smith

Fort Smith, AR

$2.3B

B-

Same state

Southern Bancorp Bank

Arkadelphia, AR

$3.0B

Same state

Farmers Bank & Trust Company

Magnolia, AR

First National Bank: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Arkansas

Bank OZK

Arvest Bank

Simmons Bank

Centennial Bank

Growth

Institution Details

First National Bank compared with similar banks

Closest useful peers

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