FORT SMITH, AR · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.3B
Total Deposits
$2.0B
Net Loans
$1.6B
Net Income
$11M
ROA
2.01%
Above avg for Community banks. Peer avg: 0.90%
ROE
16.22%
Risk-Based Capital
0.00%
Below avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 674 | 74.63% | 5.93% |
| 2023 | 606 | 75.08% | 7.59% |
| 2022 | 875 | 66.4% | 7.09% |
| 2021 | 1,114 | 67.15% | 9.61% |
| 2020 | 1,081 | 75.39% | 7.22% |
| 2019 | 698 | 76.65% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2023 | Satisfactory | Large Bank |
| Apr 2020 | Satisfactory | Large Bank |
| Jan 2017 | Outstanding | Large Bank |
6 previous ratings locked — back to 1994
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
26
Branch Deposits
$2.0B
1-Year Change
-1
5-year net change: +5 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/the-first-national-bank-of-fort-smith" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 598 | 74.41% | 9.03% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red