FIRST NATIONAL BANK

FDIC #3887 · AR · period 20260630

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Total assets1,033,636-12.83% YoY

Total deposits835,419-12.23% YoY

Net loans and leases846,320-14.80% YoY

Return on assets1.15%-1.02% YoY

Return on equity10.85%-6.55% YoY

Net interest margin3.76%+4.02% YoY

Peer position

Return on assets45thin line · n=902

Return on equity37thin line · n=894

Net interest margin60thin line · n=902

Equity to assets70thstrength · n=894

Noncurrent loans79thstrength · n=887

Liquid assets12thopportunity · n=895

Brokered deposits28thopportunity · n=890

Loans to deposits19thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,033,636	835,419	846,320	1.15	10.85	3.76
2016-06-30	1,090,614	863,680	902,016	1.18	11.16	3.76
2016-09-30	1,136,044	881,335	942,997	1.21	11.58	3.78
2016-12-31	1,152,152	923,880	934,703	1.16	11.17	3.77
2017-03-31	1,185,705	951,868	993,390	1.16	11.61	3.62
2017-06-30	1,255,874	983,597	1,053,122	1.20	11.89	3.62
2017-09-30	1,316,220	1,024,858	1,090,805	1.25	12.41	3.65
2017-12-31	1,319,903	1,062,704	1,065,367	1.06	10.42	3.66
2018-03-31	1,314,932	1,053,559	1,060,243	1.44	13.32	3.52
2018-06-30	1,370,542	1,059,332	1,095,535	1.43	13.17	3.52
2018-09-30	1,631,039	1,296,013	1,332,515	1.34	12.68	3.52
2018-12-31	1,625,199	1,304,473	1,288,591	1.20	11.45	3.54
2019-03-31	1,655,732	1,338,926	1,271,262	1.12	11.15	3.34
2019-06-30	1,626,779	1,327,021	1,291,068	1.23	11.93	3.38
2019-09-30	1,665,263	1,360,486	1,296,928	1.28	12.37	3.41
2019-12-31	1,627,120	1,348,379	1,257,151	1.22	11.66	3.41
2020-03-31	1,639,547	1,357,807	1,274,855	1.05	9.55	3.32
2020-06-30	1,807,988	1,480,150	1,394,583	0.95	8.84	3.23
2020-09-30	1,786,236	1,505,920	1,426,065	0.94	8.77	3.21
2020-12-31	1,874,026	1,574,317	1,470,347	0.96	8.86	3.22
2021-03-31	1,889,262	1,597,730	1,475,862	1.08	9.68	3.16
2021-06-30	1,860,089	1,562,252	1,527,162	1.14	9.98	3.22
2021-09-30	2,278,205	1,913,691	1,820,672	1.20	10.67	3.31
2021-12-31	2,374,597	2,012,153	1,796,346	1.16	10.46	3.37
2022-03-31	2,307,212	1,956,942	1,764,777	1.09	10.26	3.34
2022-06-30	2,246,272	1,901,771	1,836,337	1.18	10.97	3.48
2022-09-30	2,331,370	1,980,660	1,908,620	1.22	11.32	3.54
2022-12-31	2,396,439	2,037,697	1,894,176	1.17	10.92	3.55
2023-03-31	2,377,057	2,011,478	1,870,701	0.98	9.23	3.22
2023-06-30	2,378,937	2,007,987	1,884,962	1.06	9.96	3.32
2023-09-30	2,386,520	2,021,667	1,914,746	1.07	10.02	3.36
2023-12-31	2,374,092	2,000,957	1,895,322	1.06	9.86	3.37
2024-03-31	2,407,391	2,011,439	1,876,644	1.02	9.28	3.24
2024-06-30	2,393,397	1,973,658	1,919,790	1.01	9.09	3.30
2024-09-30	2,442,695	2,020,583	1,939,144	1.05	9.39	3.35
2024-12-31	2,472,253	2,053,854	1,937,738	1.02	9.18	3.39
2025-03-31	2,506,987	2,075,766	1,949,840	1.05	9.47	3.38
2025-06-30	2,505,956	2,067,870	1,975,614	1.06	9.57	3.48
2025-09-30	2,556,934	2,113,552	2,013,972	1.08	9.63	3.54
2025-12-31	2,552,325	2,115,911	2,001,347	1.02	9.16	3.59
2026-03-31	2,554,094	2,117,947	2,023,052	1.11	9.78	3.77
2026-06-30	2,585,603	2,122,623	2,076,908	1.20	10.46	3.86

Structure and branch footprint

23 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2021-09-01	1	381839	42448
2018-08-01	1	568144	42448
2002-11-16	1	637246	42448
1967-07-03	1	586447	42448

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.