Question 1

What is F1RSTNB?

Accepted Answer

F1RSTNB, operating as The First National Bank of Fort Smith, is a community-focused commercial bank serving the Arkansas River Valley, Northwest Arkansas, and Eastern Oklahoma regions. With over $2.2 billion in total assets and 26 offices across three states, it is the largest bank in Fort Smith and one of the largest in Arkansas.

The bank operates as part of First Bank Corporation, its parent holding company, and offers comprehensive financial services to both personal and commercial customers throughout its service area.

Question 2

When was F1RSTNB founded?

Accepted Answer

F1RSTNB was organized on February 29, 1872, originally chartered as "The National Bank of Western Arkansas." The Comptroller of the Currency issued its charter, authorizing the bank to commence business on March 22, 1872.

The founders took a calculated risk establishing the institution in Fort Smith, a town located on the edge of Indian Territory at the time. Their confidence in the region's economic prospects proved well-founded as the bank has grown continuously over its 150+ year history.

The bank evolved from serving frontier communities to becoming a regional banking powerhouse that now spans three states.

Question 3

Where is F1RSTNB headquartered?

Accepted Answer

F1RSTNB is headquartered in Fort Smith, Arkansas, with its main downtown branch located at 602 Garrison Avenue. The Sebastian County seat serves as the operational center for the bank's extensive multi-state network.

Question 4

Where does F1RSTNB operate?

Accepted Answer

F1RSTNB maintains a significant regional presence with 26 offices across three states:

Arkansas River Valley: 12 locations including Fort Smith (multiple branches), Charleston, Greenwood, and Lavaca

Northwest Arkansas: 6 locations in Bentonville, Centerton, Fayetteville, Lowell, and Rogers

Eastern Oklahoma: 3 locations including Roland

Through First Bank Corporation, customers have access to 30 ATMs and can conduct banking services at affiliated institutions including Citizens Bank & Trust locations in Crawford County, National Bank of Sallisaw, and Central National Bank of Poteau. The bank also operates FNB Mortgage Central Arkansas in Conway.

Question 5

What services does F1RSTNB offer?

Accepted Answer

F1RSTNB provides a comprehensive suite of financial products and services:

Personal Banking: Checking accounts (including bilingual Access accounts), savings accounts, certificates of deposit, health savings accounts, personal loans, and home equity financing

Commercial Banking: Business checking and savings, commercial lending, treasury management services

Mortgage Services: Home purchase loans, refinancing, construction loans through dedicated mortgage divisions

Credit Cards: Founder's Reserve Credit Card with rewards program offering hotel stays, airfare, concert tickets, and merchandise

Digital Banking: Online banking platform, mobile banking app, mobile wallet integration, remote deposit capture, electronic statements

Specialty Services: Veterans account offerings, bilingual banking services in Spanish

Wealth Management: Through the 2002 acquisition of Brown-Hiller-Clark, the bank offers insurance, trust services, and investment advisory throughout its service area

Question 6

What makes F1RSTNB unique?

Accepted Answer

F1RSTNB distinguishes itself through its deep regional roots and comprehensive financial services ecosystem. With over 150 years of continuous operation, it has maintained its position as Fort Smith's largest bank while expanding strategically into adjacent markets.

The bank's acquisition strategy has strengthened its market position, including notable mergers with River Valley Bank and Trust (1999), Bank of Rogers (2008), and National Bank of Sallisaw (2014). The 2002 addition of Brown-Hiller-Clark created a one-stop financial services platform encompassing banking, insurance, trust, and investment services.

F1RSTNB emphasizes local banking with the tagline "Bank Local," while providing modern digital capabilities and mobile payment solutions. The institution serves diverse communities with bilingual services and specialized programs for veterans, reflecting its commitment to the region's changing demographics.

The bank's strong financial performance, with a return on assets of 1.85% and return on equity of 14.39%, demonstrates operational excellence while maintaining community bank values.

Question 7

What type of financial institution is F1RSTNB?

Accepted Answer

F1RSTNB is a National Bank, as indicated by its charter from the Comptroller of the Currency and its official designation "The First National Bank of Fort Smith." National banks are federally chartered commercial banks regulated by the Office of the Comptroller of the Currency (OCC).

As a commercial bank, F1RSTNB serves both retail and commercial customers, accepting deposits and making loans throughout its multi-state service area. The bank operates as a subsidiary of First Bank Corporation, a multi-bank holding company structure that enables coordinated operations across its regional footprint.

F1RSTNB

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About F1RSTNB in the United States