636 Ash Flat Drive
Ash Flat, AR 72513
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Notable Rates APY Vs.Others
Savings 0.10% 1.25% →
1-Year CD 0.35% 0.70% →
2-Year CD 0.50% 0.75% →
5-Year CD 0.65% 1.15% →
30-Year Mortgage 3.81% 2.72% →
15-Year Mortgage 3.23% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

FNBC Bank is an FDIC insured institution located in Ash Flat, AR. It was founded in 1912 and has approximately $0.58 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 1294
Date Established 1912
Assets $ 577.81 million
Loans $ 389.29 million
Deposits $ 483.01 million
Capital $ 56.82 million

For a more detailed analysis of FNBC Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 15, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $200 - Learn More
Money Market
0.02% $1,000 $4,999 Learn More
Money Market
0.06% $5,000 $24,999 Learn More
Money Market
0.10% $25,000 $49,999 Learn More
6 Mo CD
0.25% $500 - Learn More
Special: 8 Mo CD
0.60% $5,000 - Learn More
12 Mo CD
0.35% $500 - Learn More
24 Mo CD
0.50% $500 - Learn More
36 Mo CD
0.55% $500 - Learn More
48 Mo CD
0.60% $500 - Learn More
60 Mo CD
0.65% $500 - Learn More

Special: 8 Mo FIRA
0.60% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1,000 $9,999 Learn MoreShow Less

Loan Rates - May 15, 2021

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


FNBC Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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FNBC Bank Locations

Financial Details

FNBC Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FNBC Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
FNBC Bank U.S. Bank Average
8.12% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, FNBC Bank had $4,736,000 in non-current loans and $572,000 in owned real estate. To cover these potential losses it had $56,823,000 in equity and $8,512,000 in loans loss reserves. That gives it a Texas Ratio of 8.12%.

Return on Equity
FNBC Bank U.S. Bank Average
12.79% 9.24%

FNBC Bank has a Return on Equity of 12.79% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

FNBC Bank U.S. Bank Average
9.83% 11.96%

FNBC Bank has a Capitalization of 9.83% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

FNBC Bank Balance Sheet Analysis

As of December 31, 2020, FNBC Bank had assets of $577,809,000, loans of $389,286,000, and deposits of $483,005,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 13.77 million
Interest-bearing balances $ 2.84 million
Total securities $ 144.31 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 389.29 million
Loan loss allowance $ 8.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.57 million
Goodwill and other intangibles N.A.
All other assets $ 13.82 million
     Total Assets $ 520.99 million
Total deposits $ 483.01 million
      Interest-bearing deposits $ 355.55 million
      Deposits held in domestic offices $ 483.01 million
      % insured (estimated) 83.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 30.00 million
Subordinated debt N.A.
All other liabilities $ 7.98 million
      Total Liabilities $ 520.99 million
      Shareholders’ Equity $ 56.82 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 25.67 million
Total Interest Expense $ 4.03 million
Net interest income $ 21.64 million
Provision for loan and lease losses $ 2.09 million
Total non interest income $ 3.52 million
Total non interest expense $ 15.98 million
Pre-tax Net Operating Income $ 7.09 million

Bank Loan Profile?

The top three loan types in FNBC Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, FNBC Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.09
Credit Card Loans 0.00
Consumer Auto Loans 3.42
Small Business Loans 11.52
Construction and Development Loans 5.25
Commercial Real Estate 34.38
Commercial and Industrial Loans 13.10
Farm Loans 2.55

Frequently Asked Questions About Fnbc Bank

Branches and Savings

Is Fnbc Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1294.

Why does Fnbc Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Fnbc Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Fnbc Bank a commercial bank?


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Does Fnbc Bank offer mortgages?

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Does Fnbc Bank offer home equity lines of credit and home equity loans?

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Does Fnbc Bank offer personal loans?

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Background on The Bank

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