At a glance
From its website, read 2 Nov 2026FNBC Bank is a bank or thrift based in Ash Flat, Arkansas. Its website describes farm loans, auto loans, equipment loans and 3 other loan types. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (870) 994-2311 source |
|---|---|
| Lending | (870) 333-7078 source |
| Apply online | Page with the application link |
| Website | www.fnbc.us |
| Office (official list) | PO Box 8 636 Ash Flat Drive, Ash Flat, AR 72513 |
What their website says about applying
For more information or to see if you qualify, please contact one of our Mortgage Loan Originators listed below!
sourceVisit Our Mortgage Center Today To Begin The Pre-Approval Process
sourceLeave your contact information and one of our commercial lenders will reach out to you within one business day.
sourceWe invite you to stop by one of our offices to visit with a consumer lender, or apply quickly and at your convenience online.
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.
Who qualifies, in their words
- No or thin credit history considered
who may have no credit
source - Income limit applies
Income must be at or below the Area Median Income (AMI) listed for the Fannie Mae Home Ready Program.
source - Collateral flexible or not always required
No collateral is needed, and your borrowing limit is determined by income and ability to repay.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 3 Jun 2026 |
| RSSD ID | 100843 |
| Address | PO Box 8 636 Ash Flat Drive, Ash Flat, AR 72513 |
| Website | www.fnbc.us |
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: high. Loan amounts and a stated service area are not given on the pages fetched. 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 | — | We have customizable financing plans available that are the right size for your farm. | source |
| Auto / vehicle loans | — | We offer competitive rates and affordable loans with low down payments. | source |
| Equipment loans | — | Whatever the equipment needs are for your business – office equipment, fleet vehicles or other large equipment purchases – we can help. | source |
| Home mortgages | — | Insured by the Federal Housing Administration (FHA) | source |
| Personal / consumer loans | — | We offer secured and unsecured personal loans to help meet your needs. | source |
| Small-business loans | — | a commercial business loan from FNBC can help you grow and scale your business. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. apply quickly and at your convenience online.
source
Pages read (7)
- https://www.myfnbc.bank/
- https://www.myfnbc.bank/lending/first-chance-mortgage/
- https://www.myfnbc.bank/lending/business-lending/
- https://www.myfnbc.bank/lending/home-mortgages/
- https://www.myfnbc.bank/personal/personal-lending/
- https://www.myfnbc.bank/business/commercial-lending-inquiry/
- https://www.myfnbc.bank/personal/personal-cards-and-credit/
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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 auto loans and home mortgages?
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 equipment loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - 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$1.5 million in 6 awards from the U.S. Treasury's CDFI Fund, 2017–2023 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
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 FNBC Bank (FDIC cert 1294). 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 | $843.3 million (as of 30 Jun 2026) |
|---|---|
| Offices | 14 in 2 states (as of 30 Oct 2026) |
Offices by state and county (14)
Arkansas (12 offices)
- Baxter County (2): 102 S Main St, Mountain Home 72653; 175 W End Way, Mountain Home 72653
- Craighead County (1): 2631 Race St, Jonesboro 72401
- Fulton County (2): 358 Highway 63 S, Mammoth Spring 72554; 233 N Main St, Salem 72576
- Independence County (1): 1388 Harrison St, Batesville 72501
- Izard County (2): 405 Market St, Horseshoe Bend 72512; 1069 E Main St, Melbourne 72556
- Sharp County (4): 636 Ash Flat Dr, Ash Flat 72513 (main office); 10 Santee, Cherokee Village 72529; 201 W Main Street, Hardy 72542; 1476 Highway 62 412, Highland 72542
Missouri (2 offices)
- Howell County (1): 1311 Porter Wagoner Blvd, West Plains 65775
- Wright County (1): 111 N Maple Ave, Mountain Grove 65711
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 FNBC Bank (RSSD 100843, FDIC cert 1294). 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 | $614.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 8.7% from $564.9 million on 30 Jun 2025 |
| Total assets | $843.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $172.6 million | 28.1% |
| Home equity lines of credit | $4 million | 0.7% |
| Commercial real estate, construction and multifamily | $262.5 million | 42.7% |
| Commercial and industrial (business) loans | $58.1 million | 9.5% |
| Farmland and farm production loans | $73.8 million | 12.0% |
| Consumer loans (credit cards, auto, other) | $37.4 million | 6.1% |
| All other loans and leases | $6 million | 1.0% |
Within consumer loans: auto loans $15.6 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 | 91 loans $4.5 million | 763 loans $17.4 million |
| $100,001 to $250,000 | 117 loans $16.1 million | 87 loans $9.9 million |
| $250,001 to $1 million | 131 loans $51.8 million | 37 loans $11.7 million |
| All small business loans | 339 loans $72.4 million | 887 loans $39 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 | 118 loans $4.5 million | 268 loans $6.3 million |
| $100,001 to $250,000 | 69 loans $8.8 million | 32 loans $3.3 million |
| $250,001 to $500,000 | 43 loans $12.3 million | 10 loans $2.5 million |
| All small farm loans | 230 loans $25.7 million | 310 loans $12.1 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, 2025FNBC Bank reported 224 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $57.4M (median loan about $130,000). 125 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 125 | 56% |
| Refinance (incl. cash-out) | 72 | 32% |
| Home improvement | 16 | 7.1% |
| Other purpose | 11 | 4.9% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 224 | 100% |
Included above: 15 loans on manufactured homes; 13 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 23 counties with at least one; 90% of its 2025 loans were for properties in Arkansas:
- Craighead County, AR (41)
- Independence County, AR (35)
- Sharp County, AR (35)
- Izard County, AR (34)
- Baxter County, AR (21)
- Fulton County, AR (14)
- Howell County, MO (12)
- Greene County, AR (4)
Filed under LEI 549300CCQSH6ZSQHNS49 as “FNBC Bank”; 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 |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $179,900 (80 loans) | All 7(a) lenders in Arkansas: $229,400. Larger than the median loan of 55% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.5 pts, half between 2.19 pts and 2.75 pts (36 loans; 0% at the SBA maximum) | All lenders in Arkansas: median 2.25 pts, 7% at the maximum (702 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 23 → 27 | Rank among the 6 certified CDFIs in Arkansas with SBA approvals in either period: 3 → 3. |
| Total assets (Call Report, 30 Jun 2026) | $843.3 million | Larger than 80% of the 25 other certified banks and bank holding companies in Arkansas (median $263.6 million). |
| Loans as a share of assets | 73% | 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 | $564.9 million → $614.3 million (+9%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 3 → 5. |
| Home loans originated in 2025 (HMDA) | 224 | More than 69% of the 263 other certified CDFIs that reported 3 or more (119 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 |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 55% |
| Rate over prime | all variable-rate 7(a) loans in Arkansas, FY2024–26 | 702 | median 2.5 pts vs 2.25 pts |
| SBA approvals then vs now | certified CDFIs in Arkansas with SBA approvals FY2023–2026 | 5 | rank 3 → 3 of 6 |
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 80% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 3 → 5 of 26 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 69% |
“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 80 SBA-backed approvals for FNBC Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 80 7(a) loans as the lender: $37.2M in total (gross amount approved), median $179,900
By fiscal year: FY2020 16 · FY2021 5 · FY2022 9 · FY2023 13 · FY2024 10 · FY2025 12 · FY2026 15.
What actually happened
- Size of its 7(a) loans: half were between $70,250 and $472,400, median $179,900 (80 loans)
- Term of its 7(a) loans: median 120 months (10 years) (80 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.75%, half between 9.38% and 10.50% (27 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 11% of its 7(a) loans had a fixed rate (80 loans)
- Young businesses: 54% of its 7(a) loans went to a startup or a business two years old or less (78 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (58, 72%)
- 7(a) SBA Express (20, 25%)
- 7(a) working-capital and trade lines (2, 2%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (15)
- Other services (except public administration) (11)
- Accommodation and food services (9)
- Professional, scientific, and technical services (8)
- Arts, entertainment, and recreation (7)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Baxter County, AR (12)
- Sharp County, AR (9)
- Craighead County, AR (9)
- Washington County, AR (7)
- Izard County, AR (5)
- Pulaski County, AR (5)
- Garland County, AR (4)
- Fulton County, AR (4)
- Benton County, AR (4)
How this lender was matched in the SBA files: FDIC cert 1294, found through the RSSD ID on the CDFI Fund list (SBA lists “FNBC Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. FNBC Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Ash Flat and Arkansas
- FNBC Bancorp, Inc.Bank holding company · Ash Flat, ARAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home mortgages…Verified
- 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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