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Lender record

FNBC Bank

The real lending record — every figure from funded deals. HQ: 636 Ash Flat Dr, Ash Flat, AR. 17 branches.

83

Recent deals (FY20+)

$154K

Typical deal

19 days

Approval → funding

0%

Failure rate (FY20–23)

Where FNBC Bank lends

Deals FNBC Bank funded — list all 83 as text

Deal profile

Most FNBC Bank deals land between $53K and $407K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Security Systems Services (except Locksmiths) (5)
  2. 2.Limited-Service Restaurants (4)
  3. 3.Other Clothing Stores (4)
  4. 4.General Automotive Repair (3)
  5. 5.General Freight Trucking, Local (3)
  6. 6.Bed-and-Breakfast Inns (2)
  7. 7.Coin-Operated Laundries and Drycleaners (2)
  8. 8.All Other Personal Services (2)

Most active states

  1. 1.Arkansas (75 deals)
  2. 2.Missouri (5 deals)
  3. 3.Tennessee (2 deals)
  4. 4.Colorado (1 deals)

Franchises they finance most

BLUSH Boot Camp

1 deals

Lemonade House Grille

1 deals

Can FNBC Bank fund you? The bank behind the loans

Total assets

$844.0M

▼ 1% vs prior quarter

Deposits on hand

$690.2M

▼ 1.5% vs prior quarter

Loans outstanding

$596.4M

▲ 0.8% vs prior quarter

Net income (latest qtr)

$3.2M

  • •An active SBA program (~1% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes FNBC Bank more SBA-focused than 78% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 1.52% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a FNBC Bank branch (17)

Fnbc BankMain office636 Ash Flat DrAsh Flat, AR 72513 · since 1912

Salem Branch233 N Main StSalem, AR 72576 · since 1958

Mountain Grove Branch111 N Maple AveMountain Grove, MO 65711 · since 1963

Cherokee Village Branch10 SanteeCherokee Village, AR 72529 · since 1974

West Plains Northway Branch1311 Porter Wagoner BlvdWest Plains, MO 65775 · since 1975

Melbourne Branch1069 E Main StMelbourne, AR 72556 · since 1986

Hardy Branch201 W Main StreetHardy, AR 72542 · since 1990

Www.Fnbc.Us Branch636 Ash Flat DrAsh Flat, AR 72513 · since 2000

Mammoth Spring Branch358 Highway 63 SMammoth Spring, AR 72554 · since 2003

Batesville Branch1388 Harrison StBatesville, AR 72501 · since 2005

Messenger Service Branch636 Ash Flat DrAsh Flat, AR 72513 · since 2005 · limited service

Highland Branch1476 Highway 62 412Highland, AR 72542 · since 2005

Horseshoe Bend Branch405 Market StHorseshoe Bend, AR 72512 · since 2005

Mountain Home Branch102 S Main StMountain Home, AR 72653 · since 2005

Mobile Branch #1636 Ash Flat DrAsh Flat, AR 72513 · since 2006 · limited service

Fnbc Bank Jonesboro Branch2631 Race StJonesboro, AR 72401 · since 2019

Mountain Home West Branch175 W End WayMountain Home, AR 72653 · since 2022

Scroll for all 17 branches · Branch data: FDIC BankFind.

Recent deals

  • 2120 S LOUISIANA STREET LLC in Little Rock, AR — $1.4M (2026) · purchase · Bed-and-Breakfast Inns
  • LEGACY BUSINESS SOLUTIONS LLC in Belleville, AR — $1.2M (2026) · Other Building Material Dealers
  • LOADS OF LAUNDRY LLC in West Plains, MO — $217K (2026) · Coin-Operated Laundries and Drycleaners
  • Towne Coffee LLC in Columbia, TN — $150K (2026) · Limited-Service Restaurants
  • HIGH MAINTENANCE CRANE & HOIST LLC in Lavaca, AR — $75K (2026) · Other Building Equipment Contractors
  • CREATIVE PROMOS LLC in Springdale, AR — $43K (2026) · All Other Personal Services
  • Sims Family Enterprises, Inc. in Thayer, MO — $4.6M (2025) · purchase · Home Centers
  • COLONIAL LIQUORS AND WINE LLC in Little Rock, AR — $4.3M (2025) · Beer, Wine, and Liquor Retailers
  • 2120 S LOUISIANA STREET LLC in Little Rock, AR — $1.4M (2025) · Bed-and-Breakfast Inns
  • THE COTTON CLUB, INC. in Jonesboro, AR — $860K (2025) · Drinking Places (Alcoholic Beverages)

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses FNBC Bank financed

66 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with FNBC Bank.

Agent summary

This page summarizes FNBC Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 83 SBA 7(a) loans on record
  • $154K typical deal
  • 11 business-acquisition loans
  • HQ: 636 Ash Flat Dr, Ash Flat, AR
  • 17 FDIC branch locations
  • FDIC total assets $844.0M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/fnbc-bank
API:
https://www.capbench.com/api/public/lenders/fnbc-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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