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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

First National Bank

Paragould, Arkansas · $2.59B in assets · beside the 11 other Arkansas banks between $1B and $3B

The filing

+0.0%
HTM share of securities
5th of 12, largest first
0.29%
30 to 89 days past due
5th of 12
+2.6%
Deposits, year over year
9th of 12, largest first

First National Bank holds 56% of its securities as held to maturity, the highest share among the twelve New England banks between $3B and $10B, where the median is under 1%. The state alone has too few in the band to rank, so the cohort is regional.

Loans grew 1.3% in the year to June 2026, eleventh of twelve, and deposits fell 0.9%, the only decline in the group. Noncurrent loans are 0.75% against a median of 0.61%, and 0.46% of the book is 30 to 89 days past due, eleventh of twelve.

Efficiency is 51.3%, fourth of twelve, and equity is 8.3% of assets, eleventh. The question a large HTM book raises is what the unrealised mark does to tangible capital under a rate shock, and how much liquidity the book can raise without crystallising it.

Held-to-maturity share of securitiesAR banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +0.0% FN First NB of Fort Smith +25.0% RB Relyance Bank +19.4% AB Anstaff Bank +0.5% FM Farmers & Merchants Bank +0.1% FN First National Bank +0.0% FF First Financial Bank +0.0% SB Signature Bank of Arkansas +0.0% CB Citizens Bank +0.0% CB Chambers Bank +0.0% FB Fm Bank & Trust +0.0% LB Legacy Bank +0.0% EB Evolve Bank & Trust +0.0%
Loans, year over yearAR banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.0% FB Fm Bank & Trust +140.8% LB Legacy Bank +16.8% FF First Financial Bank +13.8% SB Signature Bank of Arkansas +12.0% AB Anstaff Bank +11.0% CB Chambers Bank +8.2% FM Farmers & Merchants Bank +5.9% FN First National Bank +5.5% CB Citizens Bank +4.9% FN First NB of Fort Smith -0.1% RB Relyance Bank -3.5% EB Evolve Bank & Trust -5.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
First National BankRankCohort median
Total CRE against capital, the 300% screen241%5th of 12256%
Construction against capital, the 100% screen87%7th of 1286%
Construction and land development, share of loans12.8%8th of 1211.5%
Non-owner-occupied nonfarm nonresidential, share of loans16.6%6th of 1216.7%
Total CRE, the guidance definition, share of loans35.6%8th of 1234.1%
CRE growth over 36 months, the third prong+13.4%3rd of 12+25.4%
Commercial real estate against capital, the 300% screenAR banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 256% EB Evolve Bank & Trust 101% FF First Financial Bank 132% FB Fm Bank & Trust 150% AB Anstaff Bank 196% FN First National Bank 241% CB Citizens Bank 255% FM Farmers & Merchants Bank 257% RB Relyance Bank 259% LB Legacy Bank 292% FN First NB of Fort Smith 294% CB Chambers Bank 302% SB Signature Bank of Arkansas 304%
CRE growth over 36 months, the guidance's third prongAR banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +25.4% CB Citizens Bank -15.5% CB Chambers Bank +10.3% FN First National Bank +13.4% FN First NB of Fort Smith +15.2% RB Relyance Bank +17.7% EB Evolve Bank & Trust +21.8% FM Farmers & Merchants Bank +29.0% LB Legacy Bank +39.4% SB Signature Bank of Arkansas +53.4% AB Anstaff Bank +62.3% FF First Financial Bank +99.1% FB Fm Bank & Trust +348.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank$2.59B1.2%57.9%0.19%-0.01%1.7%99.5%11.6%
First NB of Fort Smith$2.31B2.0%47.9%0.44%0.03%1.4%78.5%12.3%
First Financial Bank$2.04B2.2%55.3%3.64%0.20%1.1%103.2%11.4%
Farmers & Merchants Bank$2.02B1.1%64.6%0.39%0.01%1.3%83.3%11.2%
Signature Bank of Arkansas$1.63B1.1%61.9%0.04%0.01%1.2%94.4%9.3%
Citizens Bank$1.62B1.5%48.2%0.37%0.08%1.5%86.5%9.0%
Chambers Bank$1.59B1.7%58.1%0.23%0.02%1.1%87.6%12.8%
Relyance Bank$1.43B1.2%61.6%0.40%0.02%1.2%92.9%13.6%
Fm Bank & Trust$1.36B1.9%48.6%0.52%0.08%1.5%93.3%7.9%
Legacy Bank$1.27B1.4%55.9%0.10%-0.01%1.3%94.9%9.0%
Evolve Bank & Trust$1.19B-0.1%105.4%1.88%0.19%1.3%91.7%13.6%
Anstaff Bank$1.18B1.9%52.8%0.14%0.03%1.2%86.3%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First National BankCohort median
20212026Change20212026Change
Loans$1.55B$2.11B+36%$841M$1.21B+44%
Deposits$1.56B$2.12B+36%$932M$1.38B+48%
NPA / loans0.26%0.19%-0.07 pts0.32%0.38%+0.06 pts
Efficiency57.9%57.9%+0.0 pts63.4%56.9%-6.5 pts
ROA1.13%1.19%+0.05 pts1.25%1.42%+0.18 pts

This read was prepared for First National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AR banks $1B to $3B
Institution www.fnbank.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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