Question 1

What is First Arkansas Bank & Trust (FAB&T)?

Accepted Answer

First Arkansas Bank & Trust (FAB&T) is a family-owned and operated community bank headquartered in Jacksonville, Arkansas. With approximately $1.1 billion in total assets and 21 locations across central and north-central Arkansas, FAB&T specializes in commercial lending while serving both retail and business customers. The bank is known for its commitment to traditional community-first values combined with modern banking technology.

FAB&T operates as a state-chartered commercial bank regulated by the FDIC and organized as an S-Corporation with fiduciary powers. The bank employs approximately 236 people in Arkansas and maintains a credit card division in Kennesaw, Georgia.

Question 2

When was First Arkansas Bank & Trust (FAB&T) founded?

Accepted Answer

First Arkansas Bank & Trust was originally established on November 5, 1949, as Jacksonville State Bank by founder Kenneth Pat Wilson. The bank was created to serve the growing community of Jacksonville, Arkansas, which expanded significantly due to the nearby Little Rock Air Force Base, an installation the bank helped to establish.

In 1986, the institution changed its name to First Jacksonville Bank and Trust, and then adopted its current name, First Arkansas Bank and Trust, on January 1, 1998. Throughout its history spanning more than seven decades, the bank has remained family-owned and managed, with the Wilson family continuing to lead the institution. Larry Wilson currently serves as Chairman and CEO, while Mark Wilson holds a leadership position, representing the second generation of family management.

Question 3

Where is First Arkansas Bank & Trust (FAB&T) headquartered?

Accepted Answer

First Arkansas Bank & Trust is headquartered at 600 W Main Street in Jacksonville, Arkansas, in Pulaski County. Jacksonville is located in the Little Rock-North Little Rock-Conway metropolitan statistical area, providing the bank with access to both the state capital region and surrounding communities.

The headquarters location reflects the bank's deep roots in Jacksonville, where it was originally founded in 1949.

Question 4

Where does First Arkansas Bank & Trust (FAB&T) operate?

Accepted Answer

First Arkansas Bank & Trust operates 21 full-service branches throughout central and north-central Arkansas. The bank's primary market is the Little Rock-North Little Rock-Conway metropolitan area, with additional locations in communities including Heber Springs, Higden, Quitman, Austin, Clinton, Cabot, and Greers Ferry.

All 21 domestic offices are located in Arkansas, serving both urban and rural communities. The bank also maintains a limited-service loan production office in Kennesaw, Georgia, which houses its credit card division.

Question 5

What services does First Arkansas Bank & Trust (FAB&T) offer?

Accepted Answer

First Arkansas Bank & Trust provides comprehensive banking services for both personal and business customers. Retail banking services include checking and savings accounts, certificates of deposit, home equity lines of credit (HELOC), consumer loans, and credit cards.

For business customers, FAB&T offers commercial lending, business checking and savings accounts, and specialized business services. The bank has a commercial lending specialization and maintains significant loan portfolios in commercial and industrial lending, real estate lending, credit cards, and consumer lending.

Wealth management services include trust and investment services to help clients with financial planning and estate management. The bank operates a full-service mortgage department for home financing needs.

FAB&T's digital banking platform includes mobile banking apps for both iPhone and Android devices, online banking with bill pay, mobile check deposit, fund transfers, and Zelle for peer-to-peer payments. The bank also features QŪB (pronounced "cube"), an innovative 24-hour ATM service that provides live teller assistance Monday through Friday from 6:00am to 8:00pm and Saturdays from 9:00am to 2:00pm. Mobile wallet integration enables contactless payments at thousands of merchants.

Question 6

What makes First Arkansas Bank & Trust (FAB&T) unique?

Accepted Answer

First Arkansas Bank & Trust distinguishes itself through its combination of family ownership, community commitment, and technological innovation. As one of Arkansas's few remaining family-owned banks, FAB&T has maintained local decision-making and deep community relationships for over 75 years.

The bank's Click Switch service simplifies the process of switching banks by handling account transitions for customers. The innovative QŪB technology provides 24-hour access to live teller services beyond traditional banking hours, bridging the gap between automated ATMs and personal service.

FAB&T has been recognized multiple times as a Best Places to Work winner by Arkansas Business and received recognition from the United States Department of Defense, Forbes, and The Institute for Extraordinary Banking as one of the best banks in America. The bank's diverse workforce reflects the multicultural community surrounding Little Rock Air Force Base, which has been integral to Jacksonville's character since the bank's founding.

The institution demonstrates exceptional community investment, with employees contributing approximately 3,000 volunteer hours annually. In 2024, FAB&T supported nearly 130 different organizations with over $150,000 in monetary and in-kind donations. The bank's core values—Be Respectful, Follow the Do-Right Rule, Follow Through on Commitments, Hold Each Other Accountable, and Make It Fun—guide operations both inside and outside the bank.

Question 7

What type of financial institution is First Arkansas Bank & Trust (FAB&T)?

Accepted Answer

First Arkansas Bank & Trust is a State Commercial Bank with a commercial lending specialization. As a state-chartered institution regulated by the FDIC, FAB&T operates under Arkansas state banking laws while maintaining FDIC insurance for depositor protection.

The bank is organized as an S-Corporation and possesses fiduciary powers, which it actively exercises through its trust and wealth management services. This classification allows FAB&T to serve as trustee and provide comprehensive estate and financial planning services to clients.

While specializing in commercial lending, the bank functions as a full-service community bank, serving both business and retail customers with a complete range of banking products and services.

Question 8

How has First Arkansas Bank & Trust (FAB&T) grown over time?

Accepted Answer

First Arkansas Bank & Trust has grown both organically and through strategic acquisitions. The bank expanded significantly through two notable acquisitions: First Team Bank in Heber Springs, Arkansas, on November 1, 2005 (FDIC Certificate 8731), and Greers Ferry Lake State Bank, also in Heber Springs, on August 5, 2008 (FDIC Certificate 33471).

These acquisitions strengthened FAB&T's presence in north-central Arkansas and the Greers Ferry Lake region, a popular recreational area. The bank has grown from a single location in Jacksonville to 21 branches across Arkansas, expanding its asset base from a small community bank to an institution with approximately $1.1 billion in total assets.

The bank continues to invest in its physical infrastructure, recently announcing plans to construct a new Rockwood Branch in Cabot, Arkansas, with completion expected in late 2026 or early 2027.

Question 9

What is First Arkansas Bank & Trust (FAB&T)'s commitment to education?

Accepted Answer

First Arkansas Bank & Trust has established a notable partnership with the Jacksonville North Pulaski School District through the Academies of Central Arkansas program. In 2024, FAB&T became the naming partner for the FAB&T Academy of Service, Sales and Marketing at Jacksonville High School.

This partnership provides students with real-world business education, connecting classroom learning with practical career applications. The program teaches essential skills in financial literacy, sales, marketing, customer service, and workplace readiness, preparing students for both college and career success.

According to Chairman and CEO Larry Wilson, the bank has maintained a deep historical commitment to Jacksonville High School with both financial and physical resources since its founding. The academy partnership represents an evolution of this commitment, providing hands-on learning opportunities that benefit both students and the community's economic future.

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