# FIRST NATIONAL BANK
PARAGOULD, AR · FDIC certificate 3887 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $2.59B | |
| Deposits | $2.12B | |
| Loans and leases | $2.11B | |
| Total equity | $299.6M | |
| Loans / deposits | 97.85% (p80 of band) | 87.10% |
| Liquid assets / assets | 11.96% (p10 of band) | |
| Uninsured deposits / deposits | 37.85% (p68 of band) | 30.76% |
| Brokered deposits | 5.48% | |
| Wholesale funding | 11.30% (p69 of band) | |
| FHLB advances / assets | 5.80% | |
| Tier 1 leverage | 11.12% (p62 of band) | 10.50% |
| Unrealized securities loss / equity | -3.15% (p73 of band) | -7.75% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.26% |
| Net interest margin | 3.86% (p60 of band) | 3.70% |
| Efficiency ratio | 57.43% (p44 of band) | |
| Noncurrent loans | 0.19% (p22 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 875.01% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 90.09% (p83 of band) | |
| Auto loans | $11.8M (0.56% of loans; DQ 1.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 309 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | capital falling | loans exceed deposits |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | loans exceed deposits, capital falling |
| 2015-06 | 1 | loans exceed deposits |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | charge-offs p90 | capital falling |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 3 |  | wholesale funding >15% |
| 2017-03 | 2 | uninsured deposits leaving | charge-offs p90, capital falling |
| 2017-06 | 4 | wholesale funding >15%, charge-offs p90 |  |
| 2017-09 | 3 |  | charge-offs p90 |
| 2017-12 | 3 | charge-offs p90 | wholesale funding >15% |
| 2018-03 | 1 |  | uninsured deposits leaving, charge-offs p90 |
| 2018-06 | 2 | wholesale funding >15% |  |
| 2018-09 | 1 |  | wholesale funding >15% |
| 2018-12 | 2 | capital falling, charge-offs p90 | loans exceed deposits |
| 2019-03 | 0 |  | capital falling, charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 1 | charge-offs p90 |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-26 [Hoops & Howls Set for Oct. 1 at First National Bank Arena - Arkansas State Red Wolves](https://news.google.com/rss/articles/CBMiugFBVV95cUxNUVRxX0tLQW1XSWJqZXJ3cmE5cGcyM1l1WUhUVVQzYUNDNEd2cmt5MG9qSkZ5UkZXalQxUnphU2hDZXZ0M0poLU91b19GTW00a0NaR0tiSXhLa25uSFBUdGcwZU5IUnM2M0NxSVZFS3lPME5VZ2VoVGJTWS02MG13RnNsMG1aQ21laFJTQWRVOEx3S1IwYWNFVEg0SGlpY3AxbVRlcml3WVVVZ2I3Z3dTMktrWVZjVEJQQlE?oc=5) · Arkansas State Red Wolves
- 2026-08-28 [Hoops & Howls Set for Oct. 1 at First National Bank Arena in Jonesboro - Jonesboro Right Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVGdzM3ZUMXA2NGFUUEkwUzR6a0hhUERXU3ViR0FrZVFQbUFObnhGV0d2eDdQT2N2Yk90aDJyRVZnZVFMSUcwYU9qLU5ld2QzMnhJMW5idUs4TVp6WVBUVmdCbmxEZ2dtYk9nXzFsZWVSQVV5QlJwM2IzeWJWRFNOTGJ5ZWd0U29lR09iZkhvdkU4RXdtVFdhdVRVZUE3VXhyS2NFeklOamNLNm5VUzB3?oc=5) · Jonesboro Right Now
- 2026-04-08 [First Bank Corp completes buyout of First State Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcWJzZzdpcklaMW01dWF2UWxGUU0tcmRXQ2xXMGNDcE5GNV9pak4yUk9aQUJHN1ZvclNCaHp4X0N6djdqSnVFWnJFSl9DZHhzdTFyRloxUFMzTGpjSjFQeU9Tci1lTDMyTUR1ZjJoLThQdVNIVDdqNVJKaUdOQXg2eVRWdENjXzJVV3hXMmF4WQ?oc=5) · Talk Business & Politics
- 2026-09-01 [First National Bank Arena gets new look with summer upgrades at A-State - kjnbtv.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNUGR4eTZLdXJuRC1GeVdyMzdfR28zRmkxd0FZdVM4aHMyXzA0eGR6d1dfYlhwaGpLcXRuT0xoU2VUZDZkZENmUFRtY0h4X2FkeTFiVHd6TjlSTGJpZGl4YVJULXBnbGxuYUxOZGU3ZHdYTmQxSnN5eHBWTlZZRFZtREVuU01LWElsUkZvajd3SkU0VlpBWTByR0xGQ1FUQ081dVU3UGlzaVJjaFdSNkpOZHhTYl8tRXluM1V1c3RxemkwUkJJR1QwS1dYeU9hYmI5bmktaElMV1h5cHA4bTVpNS1vbXJKeWotYUZLUDBfcUg3Qm43MENFSQ?oc=5) · kjnbtv.com
- 2026-08-29 [First National Bank Arena Prepares for Fall Semester with New Upgrades - NEA Report](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTTlRMnJ1VmFyRHFiZTd4dDRINlFUR09vbzM3bEZnQlV6SnZVM24yMTdYQl85UVRBUzBybDRZWTRpZXVSRVROQlozazJmMlROdUEtMy1FYWRYTnllVzBGd2NXWlB4amUxeXlkWDRSQU1TTVNEOFdwc0FLNV9Qd1V2bEJReGZ6NzQxTkl1cjNsS3VMb3Eta2tkYjd3b2FmSUdEdXFhTVVnTQ?oc=5) · NEA Report
- 2026-01-30 [First Bank Corp. to merge with Russellville-based First State Bank - Southwest Times Record](https://news.google.com/rss/articles/CBMivwFBVV95cUxNeDd0SU5DX2dsczQtMG9CUjBTNzg4SUVHOU83VnF3bXptVFhhdGFuREl6QXBURDRMOVphRE12cXhMQ3FmUW0xa2o3WU5jS28taTM3S0xXRHl3cV94SXczZ3NrNFJNTks2YjVodDdWRy1zekJxREtSSVdpd3RJY0VqV21CT2JURlJuNUZaRWdZUm41WTdJSUJxcVRrWjVJeUlqZ0ZwdWFZWG16U09IVUhuM2djQ2hWcG94Rlh6dE5RYw?oc=5) · Southwest Times Record
- 2026-08-18 [New banners, volleyball court, lighting system among changes at First National Bank Arena - K8 News | Jonesboro, Arkansas](https://news.google.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?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-02-13 [Forrest City Bank Updates Leadership Team - Arkansas Business](https://news.google.com/rss/articles/CBMikwFBVV95cUxPeVMwQWJ4REZTMmp1VVpxWC10eW9lUnZ4MHJ1Wm81MXVMeXVzT0hwRXViQzFkOWlkQ05lMXdRSV9laXVWT01HcWU3cWY5NkZFMG01NVhuMHltdlU2Zk5LTVhKS2MxNlZacGw4ZEJJd3FHNnJ5SzV3b0JTV0hFY0paM2NweEhVM2llRGpabGZMMnd6eFE?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3887 (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/47.json (key "3887", 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