First National Bank of Izard County

What First National Bank of Izard County does

First National Bank of Izard County (FNBIC) is a privately held, federally chartered national bank headquartered in Calico Rock, Arkansas, operating continuously since 1914. The bank operates five full-service brick-and-mortar branches across Izard and Stone Counties: Calico Rock (headquarters), Horseshoe Bend, Melbourne, Mount Pleasant, and Mountain View. It is FDIC-insured, holds Equal Housing Lender designation, and is subject to USA PATRIOT Act Section 326 verification requirements.

FNBIC generates revenue primarily through net interest income on its loan portfolio — real estate, consumer, commercial, and agricultural lending — supplemented by deposit account fees, safe deposit box rentals ($35-$80/year across four sizes), and ancillary services including cashier's checks and notary service. The deposit franchise is segmented into Regular Checking, Banking Plus club accounts (with $10,000 accidental death insurance and free notary), Senior Advantage / Senior Advantage Plus accounts targeted to customers aged 55+, and Commercial Plus NOW for small businesses. CDs range from 91 days to 3 years, with promotional terms (7-, 10-, 13-, and 15-month) offering APYs up to 3.88%.

The bank's technology stack is supplied almost entirely by third-party vendors: the Banno digital banking platform from Jack Henry & Associates powers online and mobile banking (native iOS and Android apps under the FNB Izard County brand), with SSL encryption, VPN-secured data transmission, and multi-layer network security; loan payments are processed through iCheckGateway. Data export to Quicken and Microsoft Money is supported. Distribution is relationship-driven, combining in-branch service with digital and 24-hour automated telephone (TeleBank) channels, targeting individuals, families, retirees, small businesses, and agricultural operations in rural north-central Arkansas.

Name

First National Bank of Izard County

Legal name

First National Bank of Izard County

Website

https://fnbizardcounty.com

Company type

Private

Founded year

1914

Operating status

Operating

Headcount range

1–10 employees

Short description

First National Bank of Izard County is a privately held community bank founded in 1914, operating five FDIC-insured branches across Izard and Stone Counties, Arkansas, serving retail, senior, small business, and agricultural customers with deposit accounts, real estate/consumer/commercial/agricultural loans, and Banno-powered digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking
• Retail banking services
• Consumer lending
• Agricultural loans
• Deposit accounts

Headquarters

HQ city

Calico Rock

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Loans: Primary revenue source from interest charged on various loan products including real estate loans, consumer loans, commercial loans, and agricultural loans
2. Interest Income from Deposits: Interest earned on interest-bearing deposit accounts including NOW accounts, money market accounts, savings accounts, CDs, and IRA savings
3. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes in four sizes ranging from $35 to $80 per year
4. Account Service Fees: Monthly maintenance fees, minimum balance fees, and service charges on various account types including checking, savings, and money market accounts
5. Notary and Cashier's Check Services: Fees for notary services and cashier's checks, with free notary available for Banking Plus account holders

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

First National Bank of Izard County is a full-service community bank offering deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial loans (real estate, consumer, commercial, agricultural), digital banking via online and mobile platforms, telephone banking, safe deposit boxes, notary services, and Visa credit and MasterCard debit cards. The bank operates through five branches in Izard and Stone Counties, Arkansas, emphasizing local relationship banking.

Product overview

First National Bank of Izard County is a full-service brick-and-mortar community bank serving Izard and Stone Counties in Arkansas since 1914. The bank's product portfolio centers on traditional banking services organized around three pillars: deposit accounts (checking, savings, money market, CDs, and IRA accounts offered under Regular Checking, Banking Plus, Senior Advantage, and Commercial Plus NOW brands), lending products (real estate, consumer, commercial, and agricultural loans), and digital banking services (online banking via Banno/Jack Henry, mobile banking apps, and telephone banking). The bank differentiates through bundled club accounts offering insurance, discounts, and free services rather than a unified platform architecture. Physical presence includes five branch locations in Calico Rock, Horseshoe Bend, Melbourne, Mount Pleasant, and Mountain View, supported by ancillary services like safe deposit boxes, notary service, and a comprehensive suite of 60+ financial calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts (Regular, Student, Senior Citizen)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

One partnership is on record.

• Jack Henry & Associates (Banno)coreTechnology or IntegrationFNBIC utilizes the Banno digital banking platform from Jack Henry & Associates for online and mobile banking services. The Banno Server resides in a secure location at Jack Henry & Associates headquarters with multi-layer security infrastructure including firewall, screening router, proxy server, and encrypted VPN data transmission

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Chime: A large digital-first consumer bank competing for the same mass-market checking and savings customers that FNBIC serves. Does not compete on physical presence or community relationships, but pressures FNBIC on deposit-rate competitiveness and digital UX for younger customers.

Broad incumbents

• Arvest Bank: One of the largest Arkansas-based banks headquartered in Bentonville, with extensive branch network across Arkansas, Missouri, Oklahoma, and Kansas. Overlapping retail and commercial banking products, but with substantially larger scale and cross-state geography.
• Regions Bank: A large Southeast regional bank with branches across Arkansas including smaller markets. Competes for the same consumer and small-business deposits and loans, but with substantially larger product portfolio, technology investment, and geographic reach.
• Simmons Bank: A Pine Bluff, Arkansas-based regional bank with statewide branch network and full commercial/retail banking services. Comparable core offering (deposits, real estate, consumer, commercial, ag lending) but operates at a much larger scale and broader geographic footprint.
• Bank OZK: A Little Rock, Arkansas-based regional bank with strong real estate, commercial, and consumer lending operations across the South. Comparable product mix — particularly real estate and commercial lending — though serves a multi-state footprint at much larger scale.
• Centennial Bank: An Arkansas-headquartered community bank with branches across the state and beyond, offering full-service retail and commercial banking. Comparable product set (deposits, loans, digital banking) but considerably larger scale and broader geographic reach than FNBIC.
• First Security Bank: A Searcy-based Arkansas community bank offering consumer, commercial, and mortgage lending alongside full deposit services. Comparable community-bank positioning and Arkansas footprint, but materially larger scale and product breadth than FNBIC.
• Wells Fargo: A national bank with Arkansas branch presence offering a full retail/commercial banking suite. Competes with FNBIC for deposits and loans in shared markets, but operates at vastly different scale and product breadth.

Direct peers

• Today's Bank: An Arkansas-based community bank with branches primarily in north-central Arkansas, offering conventional checking, savings, loans, and digital banking. Highly comparable in rural footprint, customer mix (farmers, small businesses, individuals), and federal-charter community bank profile.
• First National Bank of Sharp County: A small, rural Arkansas community bank in Ash Flat, serving Sharp County and adjacent counties. Operates the same brick-and-mortar community-banking model with consumer deposits, lending, and digital banking — directly comparable in scale, geography, and product mix to FNBIC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/fnbizardcounty
• LinkedInlinkedin.com/company/first-national-bank-of-izard

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First National Bank of Izard County