Applications / Mortgage Analytics / Lenders / Arkansas / First National Bank of Commerce
Walnut Ridge, AR · National bank · OCC · $297 million assets · 67 loans in 2025
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67
loans originated, 2025
107
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Commerce, an Arkansas bank, makes small loans for many purposes, and its lending grew 26% in 2025.
Its typical loan was $85,000, against $177,500 at similar lenders (national banks making between half and twice as many loans), smaller than at more than nine in ten of them. Purchases made up 40.3% of its loans, refinances 32.8%, home improvement 14.9% and other purposes 11.9%. Manufactured homes were 7.5%, more than at about three-quarters of peers. Those home-improvement and manufactured-home loans may help explain the small typical loan.
It made 67 loans, up 26% from 53, a faster rise than at about three-quarters of similar lenders. Peers grew 3% and the whole market 10%. It is still short of the 110 loans it made in 2018.
It ranks 32 of 193 lenders in Jonesboro, where its share rose to 0.9% from 0.3%. Arvest Bank and First Community Bank lead. In non-metro Arkansas, its largest market, it ranks 85 of 459.
Low- and moderate-income (LMI) borrowers took 24.5% of its loans and LMI neighborhoods 14.9%, both near the middle of peers. It made no loans in majority-minority areas. It lends in 8 Arkansas counties, mostly outside metro areas, which may hold few of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Commerce took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.3% · Refinance 32.8% · Home improvement 14.9% · Other 11.9%
Conventional 100.0% · of 67 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 67 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jonesboro | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SEIRB4CK6DTC04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 799948 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111312 | 2009–2017 |
Established 27 March 1919. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: First National Bank of Commerce's data.
First National Bank of Commerce's data
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First National Bank of Commerce and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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