FNBC Bank
Ash Flat, AR · Owner: FNBC Bcorp Inc
$843M
total assets, June 30, 2026
$843M
total assets, June 30, 2026
FNBC Bank is a state member bank based in Ash Flat, AR, owned by FNBC Bcorp Inc. As of June 30, 2026 it held $843.3 million in assets and $704.1 million in deposits; assets were up 3.7% from a year before. It has 16 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$843M
+3.7% in a year · -0.1% in a quarter
Deposits
$704M
-1.2% in a year · +2.0% in a quarter
Loans
$614M
+8.7% in a year · +1.0% in a quarter
Profit so far
$6.8M
Jan 1 to Jun 30, 2026 · +23.8% in a year
Capital ratio
9.68%
+0.26 pts in a year
Return on assets
1.60%
+0.25 pts in a year
Facts
- Type
- State member bank
- Head office
- 636 Ash Flat Dr, Ash Flat, AR, 72513
- County
- Sharp
- Holding company
- FNBC Bcorp Inc
- Established
- Jan 1, 1912
- Employees
- 125
- Branches
- 16 in 2 states
- Website
- www.fnbc.us
- Id
- b1294
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
16 offices as of June 30, 2026, holding $704.1 million in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Fnbc Bank (main office) | Ash Flat, AR | $165M |
| Fnbc Bank Jonesboro Branch | Jonesboro, AR | $97.0M |
| Melbourne Branch | Melbourne, AR | $90.2M |
| Salem Branch | Salem, AR | $39.6M |
| Mountain Home Branch | Mountain Home, AR | $39.6M |
| West Plains Northway Branch | West Plains, MO | $39.3M |
| Mountain Home West Branch | Mountain Home, AR | $39.0M |
| Hardy Branch | Hardy, AR | $36.6M |
| Highland Branch | Highland, AR | $34.8M |
| Cherokee Village Branch | Cherokee Village, AR | $29.9M |
Related pages
Questions and answers
How big is FNBC Bank?
$843.3 million in total assets and $704.1 million in deposits as of June 30, 2026, with assets up 3.7% from a year before. Its loans were $614.3 million.
How many branches does FNBC Bank have?
16 branches in 2 states as of June 30, 2026. The most deposits are in Arkansas ($650.9 million).
Is FNBC Bank profitable?
Yes: it earned $6.77 million from January 1 to June 30, 2026 (up 23.8% from the same months a year before). Its return on assets was 1.60% a year; about 1% is typical.
Who owns FNBC Bank?
FNBC Bank is owned by FNBC Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.