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The First National Bank of Fort Smith

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The First National Bank of Fort Smith Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The First National Bank of Fort Smith provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 7, 2026

You can compare The First National Bank of Fort Smith rates to other rates in our database, including 12-month CD rates currently at 0.05%, 6-month CD rates at 0.60% and 3-month CD rates at 2.00%. Savings rates are at 0.04% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to The First National Bank of Fort Smith rates. MonitorBankRates evaluates the financial stability of The First National Bank of Fort Smith with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates were last updated on 05/07/2026.

The First National Bank of Fort Smith money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The First National Bank of Fort Smith? Share your experience about The First National Bank of Fort Smith by leaving a review below, or read customer reviews before you decide to use The First National Bank of Fort Smith.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.77%

Excellent Lower than avg

The First National Bank of Fort Smith

602 Garrison Ave
Fort Smith, AR 72901

https://www.fnbfs.com

Current Rate Availability

We do not have The First National Bank of Fort Smith rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The First National Bank of Fort Smith is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The First National Bank of Fort Smith rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The First National Bank of Fort Smith's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The First National Bank of Fort Smith

Bank Holding Company FIRST BANK CORP

Address 602 Garrison Ave, Fort Smith, AR 72901 · Sebastian

Website https://www.fnbfs.com

FDIC Certificate # 3864

Established 02/29/1872

FDIC Insurance Date 01/01/1934

Domestic Offices 26

Total Branches 26

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5218%

Return on Equity (ROE) 13.5100%

Non-Performing Loans (NPL) 0.09%

Total Assets $2,274,908,000

Total Deposits $1,968,802,000

Equity Capital $282,107,000

Net Income $41,920,000

Headquarters Fort Smith

Total Offices 26

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About The First National Bank of Fort Smith

Is The First National Bank of Fort Smith a safe place to deposit money?

Yes, The First National Bank of Fort Smith is considered a safe financial institution. With a Texas Ratio of 0.76993930233107%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does The First National Bank of Fort Smith operate?

The First National Bank of Fort Smith currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The First National Bank of Fort Smith does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The First National Bank of Fort Smith provides members with tools to manage their accounts and build a solid financial history.

Does The First National Bank of Fort Smith offer online and mobile banking?

Most modern institutions like The First National Bank of Fort Smith provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbfs.com.