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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ash Flat, AR · FDIC certificate #1294
FNBC BANK is an FDIC-insured institution based in Ash Flat, AR (FDIC certificate #1294). In its Q3 2026 Call Report it reported total assets of $857M, total deposits of $707M and net loans of $622M. Its primary federal regulator is FED.
Reported facts
Deterministic ratios for FNBC BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $707M |
|---|---|
| Net loans and leases | $622M |
Plain-language readout
FNBC BANK in Ash Flat, AR funds its loans with $707M of deposits and holds $622M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FNBC BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 87.96% in Q3 2026, against 86.40% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $622M | $707M | 87.96% |
| Q2 2026 | $603M | $704M | 85.57% |
| Q1 2026 | $596M | $690M | 86.40% |