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


Started in 1912, FNBC Bank has $441 million in assets and $320 million in deposits, classifying the institution as a medium-size bank. FNBC Bank, whose headquarters are in Ash Flat, Arkansas, lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. At a SmartAsset rating of 3.4 stars out of 5, FNBC Bank should be more closely analyzed to see if its features fit your needs. FNBC Bank offers a full choice of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. The bank's standard checking account has a monthly fee of $6.00, making it a rather pricey bank for checking. Finding a checking account with no monthly fee and a savings account with a high interest rate at the same bank is the best option for gaining the most income from your deposits while maintaining convenient access to your money.

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 compared to the national average. FNBC Bank's CDs feature a rate of 0.45% and 2.10% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 0.21%. Given FNBC Bank's noncompetitive savings rate, you should consider opting for higher earning savings accounts with other banks.

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 in comparison to the national average. At $6.00 per month, FNBC Bank is not ideal for people who want a basic checking account. FNBC Bank doesn't refund out-of-network ATM fees, 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. It also offers access to mobile and web apps for a straightforward mobile-banking experience. FNBC Bank gets fair marks from customers for its mobile banking services. The FNBC Bank mobile app rates a 3.7 out of 5 (out of 79 reviews on Apple and Android) compared to the national average of 3.8. FNBC Bank's mobile app lets you control your funds by looking at monthly statements, sending and receiving money and accessing support representatives. FNBC Bank gets an exceptional consumer satisfaction rating due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored 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 is currently a medium-size bank and handles $441 million in assets and deposits totaling $320 million. FNBC Bank's Texas Ratio is 8.00%, suggesting that the bank is in good financial condition and far from 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 including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. FNBC Bank does not have the best savings rate, which means you should think about taking a look elsewhere 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 branches in 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