Bank · FDIC insured
First National Bank of Commerce
A $296.6M bank headquartered in Walnut Ridge, AR, with 6 branches in Arkansas. Best rates: CDs 4.06% and savings 1.51% APY.
First National Bank of Commerce Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#6 of 10 in Jonesboro, AR metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Commerce
Founded in 1919 in Black Rock, Arkansas, as First National Bank of Lawrence County, the bank transitioned its name to First National Bank of Commerce in 2024.
The bank has served exclusively in Northeast Arkansas for more than 100 years, operating branch and loan office locations across Walnut Ridge, Hoxie, Pocahontas, Bono, Imboden, and Jonesboro.
- Headquarters
- 206 W Main St, Walnut Ridge, AR 72476
- FDIC certificate
- 3896 ↗
Branches
6 branches in Arkansas
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Arkansas
6 branches
Pocahontas area · 2
- Pocahontas Branch1755 Highway 62 W, Pocahontas, AR 72455Directions
- Pocahontas Thomasville Branch1603 N Thomasville Ave, Pocahontas, AR 72455Directions
Walnut Ridge area · 1
- First National Bank Of CommerceMain office206 W Main St, Walnut Ridge, AR 72476Directions
Jonesboro area · 1
- Bono Branch131 Highway 63 N, Bono, AR 72416Directions
Hoxie area · 1
- Hoxie Branch300 Sw Texas St, Hoxie, AR 72433Directions
Imboden area · 1
- Imboden Branch1115 W 3rd St, Imboden, AR 72434Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.17% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.52% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $59 | $81 | — |
- CapitalLeverage ratio10.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.17%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.52%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$59Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank of Commerce are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.