SBA lender profile
The First National Bank of Fort Smith
The First National Bank of Fort Smith appears in the public SBA loan data with 65 funded 7(a) loans since FY2010, totaling $14.7M, an average of $226K per loan, and an estimated 704 jobs supported. Its SBA lending concentrates in Arkansas and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 4.6%. 3.1% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 64
- Scale 31
- Activity 37
- Consistency 74
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is The First National Bank of Fort Smith the right lender for you?
Lenders fund what they know. The First National Bank of Fort Smith's SBA lending concentrates in Arkansas (59 loans) and Accommodation and Food Services (16 loans), at an average loan of $226K. If your business does not look like that, a different SBA lender is likely the better fit.
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Bank profile
via FDIC- Total assets
- $2.3B
- Headquarters
- Fort Smith, AR
- FDIC cert
- #3864
- Status
- Active
Where The First National Bank of Fort Smith lends
Top states by funded SBA volume.
Metro areas where The First National Bank of Fort Smith funds
What The First National Bank of Fort Smith funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 16 | $3.1M |
| Retail Trade | 9 | $3.0M |
| Manufacturing | 5 | $2.8M |
| Construction | 6 | $2.0M |
| Other Services | 9 | $970K |
| Administrative and Support | 3 | $700K |
The First National Bank of Fort Smith SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 5 | $1.5M |
| 2011 | 10 | $1.0M |
| 2012 | 8 | $3.6M |
| 2013 | 6 | $680K |
| 2015 | 3 | $1.6M |
| 2016 | 1 | $70K |
| 2017 | 2 | $75K |
| 2018 | 3 | $245K |
| 2019 | 5 | $578K |
| 2020 | 4 | $1.2M |
| 2021 | 2 | $435K |
| 2022 | 4 | $745K |
| 2023 | 9 | $1.2M |
| 2024 | 2 | $284K |
| 2025 | 1 | $1.5M |
Related SBA lenders
Other lenders active in Arkansas or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
The First National Bank of Fort Smith: frequently asked questions
Does The First National Bank of Fort Smith offer SBA loans?
Yes. The First National Bank of Fort Smith appears in the public SBA data with 65 funded SBA 7(a) loans totaling $14.7M.
How many SBA loans has The First National Bank of Fort Smith made?
The First National Bank of Fort Smith is associated with 65 SBA 7(a) loans totaling $14.7M in the public SBA data (as of 2026-03-31).
What is The First National Bank of Fort Smith's SBA charge-off rate?
About 4.6% of The First National Bank of Fort Smith's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does The First National Bank of Fort Smith do most of its SBA lending?
The First National Bank of Fort Smith's SBA lending in the data is most concentrated in Arkansas, and by industry in Accommodation and Food Services.
Is The First National Bank of Fort Smith an SBA Preferred Lender (PLP)?
The loan record shows The First National Bank of Fort Smith operating under PLP delegated authority: 2 of its 7(a) loans (3.1%) were processed through the Preferred Lenders Program, including 1 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). The First National Bank of Fort Smith SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/the-first-national-bank-of-fort-smith/
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