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First National Bank Of Commerce

Walnut Ridge, ArkansasFDIC Cert #3896

OCCEstablished 19196 branches

Holding company: FIRST NATIONAL CAPITAL CORPRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.92%
+208.6%y/y
Peer standing30th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.25%
−3.2%y/y
Peer standing56th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.25%
−3.2%y/y
Peer standing62nd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.12%
+7.3%y/y
Peer standing70th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$374K
+15.1%y/y
Peer standing77th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.02%
−106.0%y/y
Peer standing92nd percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
−$8K
−106.5%y/y
Peer standing87th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.00%
+10.3%y/y
Percentile by value24th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$1.38M
+266.8%y/y
Peer standing54th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$374K
+15.1%y/y
Peer standing69th percentile
Peer standing in asset:300m_1b
FDICNAASSET