# FNBC BANK
ASH FLAT, AR · FDIC certificate 1294 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $843.3M | |
| Deposits | $704.1M | |
| Loans and leases | $614.3M | |
| Total equity | $68.6M | |
| Loans / deposits | 85.57% (p60 of band) | 82.04% |
| Liquid assets / assets | 23.96% (p47 of band) | |
| Uninsured deposits / deposits | 12.10% (p7 of band) | 25.97% |
| Brokered deposits | 9.22% | |
| Wholesale funding | 17.13% (p90 of band) | |
| FHLB advances / assets | 7.91% | |
| Tier 1 leverage | 9.68% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -23.62% (p18 of band) | -8.10% |
| AOCI / equity | 0.30% (p89 of band) | |
| ROA (annualized) | 1.60% (p70 of band) | 1.28% |
| Net interest margin | 4.42% (p78 of band) | 3.91% |
| Efficiency ratio | 60.92% (p48 of band) | |
| Noncurrent loans | 0.79% (p66 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p75 of band) | |
| Reserve coverage of noncurrent | 241.52% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 77.08% (p76 of band) | |
| Auto loans | $15.6M (2.54% of loans; DQ 1.70%, NCO 0.00%) | |
| Loans to nondepository financials | $3.3M (5% of equity) (p94 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 2 |  | deposits shrinking, capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent, wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 2 | noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 1 | wholesale funding >15% | charge-offs p90 |
| 2020-03 | 0 |  | wholesale funding >15% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 1 | uninsured deposits leaving |  |
| 2021-06 | 0 |  | uninsured deposits leaving |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | wholesale funding >15%, capital falling |  |
| 2023-03 | 4 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity, capital falling |
| 2023-06 | 3 |  | reserve under noncurrent |
| 2023-09 | 5 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 2 |  | noncurrent p90, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | construction >100% equity |  |
| 2024-09 | 3 | brokered >10% | construction >100% equity |
| 2024-12 | 5 | construction >100% equity, uninsured deposits leaving |  |
| 2025-03 | 3 |  | construction >100% equity, uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | capital falling | securities losses >30% of equity |
| 2026-03 | 2 | uninsured deposits leaving | brokered >10%, capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [FNBC Bancorp acquires RiverWind Bancshares - Talk Business & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZ2FOUFpNM1lTTVM4eFRYUVRhd2FPbzlwMll6UW5MTlNQSl9MRXF3bmNxSDhWcUt6U1VqVE5vc25CdDlrNzhDSURYNlhtMlItcmJrbHpYbXgteUt3dVBFMGU0RmxiWWd2WVJENER4VXVLcUdaV3czS1RzR2Z6Wk5kLUJ3?oc=5) · Talk Business & Politics
- 2026-07-01 [FNBC Bancorp. Inc. to purchase RiverWind Bancshares, Inc. - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTTFTRHpXNEFZaFNZVTFHMzh3bElDSF90N2RxMTIzNzUzWmZSZVRub3hFc2UwTHNDejRqeXVjdW95YUxrbVU3bmNxU0tQZGdKLW5VSnVDLWIyTHpkM21BZ0ZEYV8xb0EycVA4MlA2Q0pwSkladmZ2a2xyT1F5amh1ampkTUtERmk0MkxaUg?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-07-06 [FNBC Bank to Acquire RiverWind Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMia0FVX3lxTE5wcG0wNVVfcThEX1JhZEpHbjliWHlxcjc0aFFJaTVPbElGUEJteGQyVjVVMUNxWEdLZmpBTXhPdE5TeHdybkJxMG1iZkw0eUJ3cjM1b0FtY3h6bHptR0VZcnN3VHk2SjVzOFFF?oc=5) · Arkansas Money & Politics
- 2026-06-30 [FNBC Bancorp. Inc. announces agreement to purchase RiverWind Bancshares, Inc. - White River Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVFpiSXdfMXhjUzVKeVFEdGVoSktCUFhoWF96czNXdnBnTXpfR2htNFB1cUJ6UTA4NXBNTkdjOUpPM0gtOFdtQmlGNkFaY3hTVUlxanhydS1tdTE0SnZ1bG5lSTBRZ1lCanpwc3llaFNXc3lIZHVWOGt3SjNJOExseFlEUmc1WkpwOS1BNTF4ejlkMEE5TjViTjhtOFRjRFdBSk9GbGVBZ3ppMjE5VXZxMkJKSkVVZw?oc=5) · White River Now
- 2026-07-27 [The Unsolicited Offer that Led Riverwind Bank to a Deal With FNBC Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiowFBVV95cUxPb1Y5UzNqazhrY2tyMXNNMTd1NDZBWXFaQ0JLVXRoUlFEaWJHVG95QV85TVUtc0dXbDU4MGt0RERidHR6empObHVVbTE5Q24zdXZZSjZEdDJwWFlwV3d5NkZmcEZlWG15OWFiS3ZMVEYwOExURVc4dXlpOEFzNnAySEQwQjdJY21WaHR4eE5FUXQ4UU9PZy01ejVCb21abVo0OUdv?oc=5) · Arkansas Business
- 2026-01-19 [Richard Ricciardi Joins Executive Team at FNBC Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMia0FVX3lxTE5zVWFoODNwcFgwNmU1RjJpeW01MzJQOWNDeUdESWF5T3NQUWdqenlUUVlVM1hVcmNrbEp0clA5SHBudEpXdGRKaDZjSFgyMHVSMWhrcjlpcWhKOVNROHMyVGVON2Zqbkdha3VB?oc=5) · Arkansas Money & Politics
- 2025-12-15 [Chad Hudson Named CEO of FNBC Bank of Ash Flat (Super Mover) - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxQbVNoNWE4aHpCUW9HVUtTVnpyVlZSdVBiY3Z4QjRva3dONV9keVl4OHJhOVhYSzFmSVpNdEk4aTZaRW5yZmFIZnlTNEJYVTdNb3EyeWFoWkNXdVBTWnVJZHRwNFZfRksxR2xtd3c3YVR2NVhzR3Y1d3VOTzVnVjBDd2MtTmFHeHB4LXVJNHVyNkJ3NXJkTFc5SEZVUEhVbjUtRGc?oc=5) · Arkansas Business
- 2026-07-01 [FNBC acquires River Wind Bankshares - E Communications](https://news.google.com/rss/articles/CBMihwFBVV95cUxPV3lEZHlvX1JWQVppZzZIamN1ZmgzTmVmM00wYWVfeVBtNFdNUWZmcWN6ZkFXWFVfZWJsODUzVzRiMXRucDBEc2tvRXE3WTNiWWN4aWFWaHlBNnVIcHFPOEZPNmpEOFZtTWtaMEtGVUs2X3VKMGc5WkU4VlhaNVJWWEhBYjlYOVU?oc=5) · E Communications

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1294 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "1294", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide