Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

FNBC Bank Review

Your Details Done
by Updated
FNBC Bank Savings
0.15% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


FNBC Bank started in 1912 and its headquarters are located in Ash Flat, Arkansas. FNBC Bank manages assets of $441 million as well as deposits totaling $320 million, classifying it as a medium-size bank. FNBC Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. We ranked FNBC Bank at a 3.4 stars out of 5, suggesting it is a fair bank that you should look closer at to see if it fits your needs. FNBC Bank has a complete selection of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. FNBC Bank has a fair savings rate; other popular banks have higher rates. The bank's standard checking account maintains a $6.00 monthly fee, although banks sometimes have requirements that allow you to waive the fee. Locating a bank with no-fee checking and a high interest rate savings account is your best bet for getting the most income on your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.15%, FNBC Bank ranks poorly in comparison to the national average. Its one-year and five-year term lengths CDs earn at a rate of 0.45% and 2.10%, respectively, while its highest-yielding money market account has an APY of 0.21%. Given FNBC Bank's noncompetitive savings rate, you should consider taking a look at other banks for savings accounts.

How FNBC Bank's Savings Rates Compare

FNBC Bank Savings 0.15 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

FNBC Bank has generally high fees compared to other U.S. banks. At $6.00 per month, FNBC Bank is not ideal for those who want a basic banking experience. FNBC Bank unfortunately does not reimburse out-of-network ATM charges, which means you'll have to find a FNBC Bank ATM or eat the cost of withdrawal.

Monthly Fee $6.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
Back to Overview

Service Quality

SmartAsset Average: 3.7

FNBC Bank is a brick-and-mortar bank, with 13 total branches in Arkansas. With mobile and web apps, FNBC Bank makes mobile banking convenient, even on the go. FNBC Bank's online and mobile banking platforms get moderate marks from customers. The FNBC Bank mobile app has been given a 3.7 out of 5 (out of 79 ratings on Apple and Android) compared to the national average of 3.8. You can use FNBC Bank's app to manage your funds by monitoring account balances, transferring funds and reaching customer service. FNBC Bank receives an excellent consumer satisfaction rating due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

SmartAsset Average: 4.8

FNBC Bank ranks as a medium-size bank and manages assets totaling $441 million as well as deposits totaling $320 million. Its Texas Ratio is 8.00%, signifying a tiny chance of failure. Additionally, FNBC Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare FNBC Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.15% APY $200
Checking Account 0.03% APY $1000
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.70% APY
  • 36 Month: 1.11% APY
  • 48 Month: 1.51% APY
  • 60 Month: 2.10% APY
$500 for all terms
Money Market Account 0.15% APY $5000

FNBC Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. FNBC Bank does not have the best savings rate, which means you should think about other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. FNBC Bank's CD rates are fair compared to the national average.

Back to Overview

Find a FNBC Bank Near Me

FNBC Bank has 13 physical locations across the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure