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THE FIRST NATIONAL BANK OF IZARD COUNTY

CALICO ROCK, AR · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1914FDIC #11,252
Outstanding Up

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 3.02%

Institution Profile

FDIC BankFind

Address

2184 Ar 56 Hwy, CALICO ROCK, AR

County

Izard County

Established

May 1, 1914

Total Assets

$236M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 4, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$236M

Total Deposits

$163M

Net Loans

$115M

Net Income

$2M

ROA

3.02%

ROE

10.22%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$154M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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