# FIRST NATIONAL BANK OF WYNNE
WYNNE, AR · FDIC certificate 3897 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $343.7M | |
| Deposits | $292.6M | |
| Loans and leases | $208.0M | |
| Total equity | $46.7M | |
| Loans / deposits | 70.25% (p20 of band) | 85.55% |
| Liquid assets / assets | 34.52% (p78 of band) | |
| Uninsured deposits / deposits | 24.89% (p61 of band) | 22.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.91% (p71 of band) | 10.66% |
| Unrealized securities loss / equity | 0.49% (p36 of band) | 0.93% |
| AOCI / equity | 1.84% (p42 of band) | |
| ROA (annualized) | 1.49% (p75 of band) | 1.13% |
| Net interest margin | 4.10% (p72 of band) | 3.75% |
| Efficiency ratio | 55.08% (p20 of band) | |
| Noncurrent loans | 0.69% (p59 of band) | 0.53% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 172.81% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 42.35% (p53 of band) | |
| Auto loans | $541,000 (0.26% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $4.1M (9% of equity) (p95 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 77 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | capital falling, reserve under noncurrent, deposits shrinking |  |
| 2015-09 | 2 |  | deposits shrinking |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 0 |  | assets shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | deposits shrinking |  |
| 2019-09 | 0 |  | deposits shrinking |

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

- 2026-06-01 [First Financial Bank CEO Sean Williams on What Makes a Good Poultry Loan - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcXBvWlRzaWN6WVhSMHFoNWRCa2dXV1Y3YWdFeE1XNU4zSUFFeGl5UGF1cWZUNXBNQ0FtekVtYjVYWmtqUTBhMHlLZmtrVVJRcFUxNGxydTNncmJfakhITUdmZFdNaGotckphVEJuNFlGdG5zQ0tZd0dqUE4xZWtnZjFFRlRmaEZXMUdONkpLcnFsS0lfSzg2TVc1QmwwUGhtcXB1dmlXTWxvYUVG?oc=5) · Arkansas Business
- 2019-07-28 [First Financial Bank of El Dorado acquires Wynne bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQm5PbkQteDhueHo3MEd5MU14bjMzSXVOYmVzYV9NUHhsYWF0SEpXQjRjekdTUVpaOHg4YkQtdGRobGtJWTZzVGg0c2ZpNlhKOGtLOHVJMTQ2TkVOYUJrS0hiUHl6Zlcydkpid3VxT3pUSFpfcG9VaGo1bS1WQmRhS0o0TFNtR0JVM09LUnl6R3k?oc=5) · Talk Business & Politics
- 2018-05-07 [How artificial intelligence is reshaping jobs in banking - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaWJPOEZ3NEdMMl9lejF0cV9SbG9ZSF9jN1phRnh0ejAzN0JFc2thOGVGdERiWXJGLWZ1TWw3d1JzcFJQT3ItRTRHajVVSWd1ZmFvQ0lQZElvcEVrOGo0cFVfdXZqSWNqazNLQVN6Z1Z4SEpnM2hqbTVfdHJJQ3ZjYXFsVGo3UXBqVTkybW8yMUg4eXg3RHVZ?oc=5) · American Banker
- 2021-02-19 [James Carl Mebane Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTE0xeUREMG9vU0Qxc01BMTlUOTE0WlhkQzNCWGw3YmlZWnJ3alhTM3dfOTB5bVgyNkI1SWR5NEFGNWgzRGhuSGhxR2lDRzZNcUxXdExmZWZmY3A?oc=5) · Knoxville News Sentinel
- 2021-01-13 [Stephen Ben Meyer - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxOdXk5cEFPdnE4OGlSQmZadzlpS0g0Vi1UZmFQQXc1dFFTbWc4T0c0cW54aENjbjlNaWxqWWxDY0k0aDBxYy1LNDZGNmQwcllza0JIOVZCYmJJRjFzd0dJQ2pYQ3lPZ3Y5Rk1zb196NTNpaWpUbWxlQm16U2dTSU9TTEVqUXJmZw?oc=5) · The Arkansas Democrat-Gazette
- 2017-07-17 [First National of Wynne to Acquire Bank of McCrory - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSDNXNHMzaXF0dEdLNk84QzZEVmc5bVU0TXRxM08wSVJhbE9zMUpETXlUUzZiaUExUVFHWTBScnc4MFZyejlqczBvTDhXcVZtck1qTHBGenR3NlFQcU91dGZEZnpuSks5dG1FTDZaX3lEbVA4c29LaERjblVyTmtYZ1NSal9tcnFVTEtoSHhrVTVBRjdlSkZ3?oc=5) · Arkansas Business
- 2011-11-27 [Thompson Buddy Murray Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcG1DU2U1MUtrODVVa3BuOVJ2WE9NMzk3a05DUWF5dm1ycDNFOE5abkVCaVdyT2YwazNNRnQtaHZkWWE5OEVrc0Y5cnZDOG8zaHg2aWJOVG9SWnJjNDl1TG9aRWlMc0k1R0NiSkdkdHNJMEN6WVJtTjVKR2hEZWVkelB3?oc=5) · Northwest Arkansas Democrat-Gazette
- 2024-11-18 [Sean Williams Appointed CEO of First Financial Bank (Super Mover) - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdmN2azFKdjhJR0lzZkM0SDlGN0RxWFRaaDZLMGhvVnVMQnFLTTdhRlpIOUFWR1dVd1Z3VTRya01MUmQyT08yVFRtRjhYTGR6OVVka0w1cXRsMVRSWlBvWnhNWjd2dGRWT2J1aUNuakZMR2hrR3JKWEN1OEtBX1RyUjZaZEVWNVJycktlb2dOLVh3WHVlNG5z?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3897 (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/57.json (key "3897", 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