BlastPoint's Banking Scorecard
The First National Bank of Fort Smith
Community
Specialty: Commercial
AR
FDIC cert 3864
Fort Smith, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
The First National Bank of Fort Smith has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13% in Community
- - Credit Quality Pressure: Bottom 15% in Community
- - Capital Thin: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+3.8% YoY
+0.4% QoQ
|
+$883.5M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.6B
+4.8% YoY
+2.1% QoQ
|
+$596.2M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$2.0B
+4.4% YoY
+1.9% QoQ
|
+$804.2M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.86%
+11.2% YoY
+0.6% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.39%
+5.8% YoY
+0.2% QoQ
|
+0.73% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
49.82%
-5.6% YoY
+1.6% QoQ
|
-12.81% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.26%
+5.9% YoY
+1.5% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
79.83%
+0.3% YoY
+0.1% QoQ
|
-3.23% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
30.22%
-6.6% YoY
-6.9% QoQ
|
+9.17% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.19%
+9.8% YoY
+3.0% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.09%
-0.2% YoY
+32.7% QoQ
|
+0.35% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#138 of 371 · Top 37% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.09%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.86%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Risk Growth
risk
#84 of 642 · Bottom 13% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#119 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.26%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#177 of 432 · Bottom 41% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%
88
88th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.74%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.22% · Tier avg: 21.05%
84
84th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Efficiency Ratio
Current: 49.82% · Tier avg: 62.63%
84
84th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.66%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
38
38th pctile
Loan-to-Deposit Ratio
Current: 79.83% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Loan-to-Deposit Ratio
Current: 79.83% · Tier avg: 83.06%
64
64th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.66%
84
84th pctile
Efficiency Ratio
Current: 49.82% · Tier avg: 62.63%
84
84th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.22% · Tier avg: 21.05%
88
88th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.74%
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%