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The First National Bank Of Fort Smith

Fort Smith, AR · Est. 1872 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The First National Bank Of Fort Smith is a bank based in Fort Smith, Arkansas, established in 1872, with $2.3 billion in total assets across 26 branches. By Trust Grade it ranks 23rd of 78 banks we track in Arkansas. Its capital ratio of 12.4% is stronger than 80% of similarly sized banks, versus a Arkansas median of 10.7%. It was profitable over the most recent period, with a 2.01% return on assets. No consumer complaints against The First National Bank Of Fort Smith appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$2.3B
$1B–10B institution
Deposits
$2.0B
Branches
26
Capital ratio
12.4%
Top 20% of $1B–10B peers · Arkansas median 10.7%
Return on assets
2.0%
Top 10% of $1B–10B peers · Arkansas median 1.24%
Rank in Arkansas
#23
of 78 banks

How The First National Bank Of Fort Smith compares to Arkansas peers

Capital ratio
Top 20% of $1B–10B peers
The First
12.4%
Arkansas median
10.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 10% of $1B–10B peers
The First
2.0%
Arkansas median
1.2%
Higher ROA = more profitable relative to asset base

How we graded The First National Bank Of Fort Smith

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.4% capital ratio)
  • Strongly profitable (ROA 2.01%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The First National Bank Of Fort Smith over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (26)

  • 225 E Main St, Charleston, AR 72933
  • 2727 Grand Ave, Fort Smith, AR 72901
  • 9300 Highway 71 S, Fort Smith, AR 72916
  • 2000 Midland Blvd, Fort Smith, AR 72904
  • 5201 Rogers Ave, Fort Smith, AR 72903
  • 800 Phoenix Ave, Fort Smith, AR 72901
  • 7410 Rogers Ave, Fort Smith, AR 72903
  • 311 E Center St, Greenwood, AR 72936
  • 3515 Greenwood Road, Fort Smith, AR 72903
  • 1907 N Broadway St, Poteau, OK 74953
  • 802 N Pocola Blvd, Pocola, OK 74902
  • 202 North Kentucky Avenue, Panama, OK 74951
  • 1500 E Cherokee Ave, Sallisaw, OK 74955
  • 602 Garrison Ave, Fort Smith, AR 72901
  • 209 Clayton Ave, Poteau, OK 74953
  • 3706 Pinnacle Parkway Hill, Rogers, AR 72758
  • 701 E Main St, Stigler, OK 74462
  • 350 E Centerton Blvd, Centerton, AR 72719
  • 78 West 1st Street, Heavener, OK 74937
  • 401 E Ray Fine Blvd, Roland, OK 74954
  • 1000 S Kerr Blvd, Sallisaw, OK 74955
  • 8225 S Zero St, Fort Smith, AR 72903
  • 801 N Dixieland Rd, Rogers, AR 72756
  • 2638 E Joyce Blvd Ste 100, Fayetteville, AR 72703
  • 401 Sw A St, Bentonville, AR 72712
  • 400 W Main St, Lavaca, AR 72941

Are deposits at The First National Bank Of Fort Smith insured?

Yes. The First National Bank Of Fort Smith is an FDIC-insured bank (FDIC certificate #3864). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The First National Bank Of Fort Smith: frequently asked questions

Is The First National Bank Of Fort Smith a good bank?

The First National Bank Of Fort Smith earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.4% capital ratio); Strongly profitable (ROA 2.01%).

Is The First National Bank Of Fort Smith FDIC-insured?

Yes. The First National Bank Of Fort Smith is a FDIC-insured bank (FDIC certificate #3864). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The First National Bank Of Fort Smith?

The First National Bank Of Fort Smith holds $2.3 billion in total assets, ranking 23rd of 78 banks we track in Arkansas. It operates 26 branches.

Does The First National Bank Of Fort Smith have CFPB complaints?

No CFPB complaints against The First National Bank Of Fort Smith appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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