🏦Bank Scorer

FIRST ARKANSAS BANK AND TRUST

JACKSONVILLE, AR · Supervised by FDIC

Est. 1949FDIC #16,849RSSD: FDIC-16849
Part ofFIRST ARKANSAS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.84%

Institution Profile

FDIC BankFind

Address

600 W Main St, JACKSONVILLE, AR

County

Pulaski County

Established

November 5, 1949

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$998M

Net Loans

$800M

Net Income

$5M

ROA

1.84%

ROE

20.78%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.90%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$968M

1-Year Change

-2

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247792.21%3.90%
202310095%2.00%
202212799.21%0.00%
202111195.5%1.80%
202049976.75%7.01%
201936776.29%5.99%
201834171.55%7.92%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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