First National Bank (Paragould, AR)
First National Bank (Paragould, AR) reported total assets of $2.6 bn at Q2 2026, up 3.2% on a year earlier, the 485th largest of 497 banks in our US coverage. The CET1 capital ratio at First National Bank (Paragould, AR) was 13.42%, and the uninsured share of First National Bank (Paragould, AR) was 37.85%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, First National Bank (Paragould, AR) climbed from 169th to 60th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- First National Bank (Paragould, AR) reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.01% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- Since , First National Bank (Paragould, AR) has taken over 2 institutions; the latest was Citizens Bank on (FDIC Call Reports).
What sets First National Bank (Paragould, AR) apart
How large is First National Bank (Paragould, AR)?
The balance sheet of First National Bank (Paragould, AR) at : assets $2.6 bn, deposits $2.1 bn, net loans $2.1 bn (loans equal to 97.85% of deposits). Securities make up 6.9% of total assets at First National Bank (Paragould, AR). Since , when First National Bank (Paragould, AR) held $1.0 bn, its assets grew 150.1%. In the year to , deposits at First National Bank (Paragould, AR) rose 2.6% while its total assets rose 3.2%. At , First National Bank (Paragould, AR) employed 309 full-time equivalent staff across 23 offices, about $8.4 mn of assets per employee and $92.3 mn of deposits per office.
How much funding at First National Bank (Paragould, AR) is uninsured?
At First National Bank (Paragould, AR), uninsured deposits (above the FDIC limit) made up 37.85% of domestic deposits at (+1.36 pp on a year earlier); First National Bank (Paragould, AR) ranks 219th of 500 on this measure. In dollars, First National Bank (Paragould, AR) estimated $803.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +2.6% | 485th of 499 |
| Net loans and leases | $2.1 bn | +5.1% | 427th of 500 |
| Loan-to-deposit ratio | 97.85% | +2.31 pp | 84th of 500 |
| Tier 1 leverage ratio | 11.12% | +0.32 pp | 159th of 500 |
| Total risk-based capital ratio | 14.68% | -0.05 pp | 199th of 448 |
| Net interest margin | 3.86% | +0.39 pp | 180th of 500 |
| Return on assets (ROA) | 1.20% | +0.13 pp | 312th of 500 |
| Efficiency ratio | 57.43% | -1.65 pp | 275th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.4 mn | Narrowed by $3.6 mn | |
| Noncurrent loans to total loans | 0.19% | -0.19 pp | 60th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | -0.05 pp | 22nd of 500 (1 = lowest) |
US rank of First National Bank (Paragould, AR): 1 = highest unless marked 1 = lowest.
Balance sheet
First National Bank (Paragould, AR): assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.1bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of First National Bank (Paragould, AR) stood at 13.42% in , -0.05 pp year on year. Low and high at First National Bank (Paragould, AR) since : 11.72% () to 13.68% (). Equity capital of First National Bank (Paragould, AR) at : $299.6 mn, or 11.6% of total assets. First National Bank (Paragould, AR) also reported a total capital ratio of 14.68% for , and a tier 1 leverage ratio of 11.12%.
The available-for-sale portfolio of First National Bank (Paragould, AR) showed an unrealized loss of $9.4 mn at ; the loss narrowed by $3.6 mn over the year.
First National Bank (Paragould, AR): capital ratios
- Total capital 15%
- CET1 13%
- Tier 1 leverage 11%
First National Bank (Paragould, AR): unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , First National Bank (Paragould, AR) earned a return on equity of 10.46%; return on assets: 1.20%. Net interest margin at First National Bank (Paragould, AR): 3.86%, +0.39 pp in a year. First National Bank (Paragould, AR) net income: $15.3 mn, up 15.4% year on year. The efficiency ratio of First National Bank (Paragould, AR) was 57.43%: about 57 cents cost per revenue dollar, against 70 cents at the median peer.
At , noncurrent loans were 0.19% of total loans at First National Bank (Paragould, AR); net charge-offs: -0.01% of average loans. Gross loans and leases at First National Bank (Paragould, AR): $2.1 bn, up 5.5% in a year.
First National Bank (Paragould, AR): profitability
- Return on equity 10%
- Net interest margin 3.9%
- Return on assets 1.2%
Peer group of First National Bank (Paragould, AR)
The peer group of First National Bank (Paragould, AR) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of First National Bank (Paragould, AR) (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Arkansas. Against them, First National Bank (Paragould, AR) shows CET1 ratio 13.42% against a peer median of 14.82%, return on equity 10.46% against a peer median of 7.46% and uninsured deposit share 37.85% against a peer median of 23.28%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Meridian Bank | State nonmember bank | PA | $2.6 bn | not reported | 7.95% | 30.66% | |
| Wells Fargo Bank South Central | National bank | TX | $2.6 bn | 80.53% | 5.69% | 0.46% | |
| State Bank of Texas | State nonmember bank | TX | $2.6 bn | not reported | 27.93% | 16.58% | |
| First National Bank | National bank | AR | $2.6 bn | 13.42% | 10.46% | 37.85% | |
| Extraco Banks | National bank | TX | $2.6 bn | 15.88% | 9.27% | 19.17% | |
| Cornerstone Bank | State member bank | MA | $2.6 bn | 11.84% | 6.96% | 27.38% | |
| United Business Bank | State member bank | CA | $2.6 bn | 13.76% | 0.93% | 46.48% | |
. FDIC Call Reports.
Last eight quarters
Two years at First National Bank (Paragould, AR), to : assets +5.9%, deposits +5.1%, equity +7.6%. Staff 306 to 309.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Total deposits | $2.0 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn |
| Bank equity capital | $278.5 mn | $273.5 mn | $276.3 mn | $283.2 mn | $288.1 mn | $288.6 mn | $291.4 mn | $299.6 mn |
| CET1 ratio | 13.68% | 13.33% | 13.35% | 13.47% | 13.57% | 13.55% | 13.64% | 13.42% |
| Return on equity (ROE) | 9.39% | 9.18% | 9.47% | 9.57% | 9.63% | 9.16% | 9.78% | 10.46% |
| Uninsured share of domestic deposits | 36.77% | 37.49% | 36.81% | 36.49% | 37.20% | 38.49% | 37.68% | 37.85% |
| Full-time equivalent employees | 306 | 309 | 300 | 302 | 300 | 297 | 303 | 309 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First National Bank (Paragould, AR), oldest first; figures before and after each event are not like for like.
- . Absorbed One Bank & Trust, National Association (FDIC certificate 17800).
- . Absorbed Citizens Bank (FDIC certificate 6103).
Questions and identifiers
What were the total assets of First National Bank (Paragould, AR)?
First National Bank (Paragould, AR) reported $2.6 bn at in its Call Report. That makes First National Bank (Paragould, AR) the 485th largest of 497 banks in our US coverage.
Is First National Bank (Paragould, AR) the same as its holding company?
No. This page covers First National Bank (Paragould, AR), FDIC certificate 3887; FIRST PARAGOULD BANKSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First National Bank (Paragould, AR) profitable?
First National Bank (Paragould, AR) reported net income of $15.3 mn for the year to ; annualized return on equity: 10.46%. So yes: First National Bank (Paragould, AR) made a profit over these months.
When is data for First National Bank (Paragould, AR) next updated?
Figures from First National Bank (Paragould, AR) for are due after .
Where can I check the figures for First National Bank (Paragould, AR)?
In the FDIC BankFind Suite record for certificate 3887, and in the Call Reports of First National Bank (Paragould, AR) (RSSD ID 42448) at the FFIEC Central Data Repository.