At a glance
From its website, read 2 Nov 2026First National Bank of Commerce is a bank or thrift based in Walnut Ridge, Arkansas. Its website describes farm loans, commercial real estate loans, home mortgages and 2 other loan types. Where it lends: Northeast Arkansas.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.firstnb.bank |
|---|---|
| Office (official list) | 206 WEST MAIN STREET PO BOX 509, Walnut Ridge, AR 72476 |
What their website says about applying
Our loan officers are just a call or visit away. We'll walk you through current rates, terms, and what works best for you.
sourceIf you would like to apply for a Visa, please leave your name and telephone number and one of our employees will be glad to contact you.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Apr 2023 |
| RSSD ID | 799948 |
| Address | 206 WEST MAIN STREET PO BOX 509, Walnut Ridge, AR 72476 |
| Website | www.firstnb.bank |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan pages are brief marketing text with no loan amounts, borrower focus, or online application stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | From equipment to land to operating lines, see what options we can provide to help your operation thrive. | source |
| Commercial real estate loans | — | If you're looking to develop, expand, or invest in commercial property in Northeast Arkansas | source |
| Home mortgages | — | Trusted Mortgage Solutions, Close to Home | source |
| Personal / consumer loans | — | a consumer loan can offer quick access to the funds you need without hassle | source |
| Small-business loans | — | Whether it's for equipment, expansion, or working capital, our lending team understands the local economy and works fast to get what you need. | source |
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.firstnb.bank/
- https://www.firstnb.bank/lending/consumer
- https://www.firstnb.bank/lending/agriculture
- https://www.firstnb.bank/lending/commercial-
- https://www.firstnb.bank/lending/home-mortgage
- https://www.firstnb.bank/lending/visa-card-services
- https://www.firstnb.bank/lending/commercial-real-estate
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$176,400 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $176,400 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as First National Bank Of Commerce (FDIC cert 3896). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $296.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Arkansas (6 offices)
- Craighead County (1): 131 Highway 63 N, Bono 72416
- Lawrence County (3): 206 W Main St, Walnut Ridge 72476 (main office); 300 Sw Texas St, Hoxie 72433; 1115 W 3rd St, Imboden 72434
- Randolph County (2): 1603 N Thomasville Ave, Pocahontas 72455; 1755 Highway 62 W, Pocahontas 72455
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by First National Bank Of Commerce (RSSD 799948, FDIC cert 3896). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $157.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 24.3% from $127 million on 30 Jun 2025 |
| Total assets | $296.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $50 million | 31.7% |
| Home equity lines of credit | $785,000 | 0.5% |
| Commercial real estate, construction and multifamily | $30.8 million | 19.5% |
| Commercial and industrial (business) loans | $16.9 million | 10.7% |
| Farmland and farm production loans | $54.8 million | 34.7% |
| Consumer loans (credit cards, auto, other) | $4.2 million | 2.6% |
| All other loans and leases | $393,000 | 0.2% |
Within consumer loans: auto loans $297,000, credit cards $1.3 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 39 loans $1.9 million | 235 loans $6.3 million |
| $100,001 to $250,000 | 32 loans $4.1 million | 30 loans $2.9 million |
| $250,001 to $1 million | 15 loans $5.8 million | 5 loans $2.6 million |
| All small business loans | 86 loans $11.8 million | 270 loans $11.8 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 52 loans $1.8 million | 239 loans $5.3 million |
| $100,001 to $250,000 | 33 loans $3.7 million | 24 loans $2.1 million |
| $250,001 to $500,000 | 12 loans $3.3 million | 15 loans $2.5 million |
| All small farm loans | 97 loans $8.8 million | 278 loans $9.8 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025First National Bank of Commerce reported 67 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $13.3M (median loan about $85,000). 27 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 27 | 40% |
| Refinance (incl. cash-out) | 22 | 33% |
| Home improvement | 10 | 15% |
| Other purpose | 8 | 12% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 67 | 100% |
Included above: 5 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 8 counties with at least one; 100% of its 2025 loans were for properties in Arkansas:
- Lawrence County, AR (33)
- Randolph County, AR (18)
- Craighead County, AR (9)
Filed under LEI 549300SEIRB4CK6DTC04 as “FIRST NATIONAL BANK OF COMMERCE”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $296.6 million | Larger than 52% of the 25 other certified banks and bank holding companies in Arkansas (median $263.6 million). |
| Loans as a share of assets | 53% | Median of the same 25 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $127 million → $157.8 million (+24%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 18 → 16. |
| Home loans originated in 2025 (HMDA) | 67 | More than 31% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 52% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 18 → 16 of 26 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 31% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Walnut Ridge and Arkansas
- First National Capital CorporationBank holding company · Walnut Ridge, AROfficial list only
- Bank of Lake VillageBank or thrift · Lake Village, ARAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Communities Unlimited, Inc.Loan fund · Fayetteville, ARAgriculture / farm loans, Home repair / improvement loans, Small-business loansVerified
- Connect BankBank or thrift · Star City, ARCommercial real estate loans, Equipment loans, Personal / consumer loans, Small-business loansVerified
- Cotton Belt FCUCredit union · Pine Bluff, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
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