What are the current interest rates at FNB of Izard County?

Current rates for FNB of Izard County include: 12-Month CD: 2.75%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
FNB of Izard County

iAdvertiser Disclosure

FNB of Izard County Rates & Review September 2026

Q: How many branches does FNB of Izard County operate?

FNB of Izard County currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FNB of Izard County does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Izard County provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

FNB of Izard County's 7-Month Certificate rates are at 3.88%, 15-Month Certificate rates are at 3.34%, 10-Month Certificate rates are at 3.26%, 13-Month Certificate rates are at 2.75%. MonitorBankRates evaluates the financial stability of FNB of Izard County with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.51%. Rates last updated and verified on 09/19/2026.

FNB of Izard County money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB of Izard County? Share your experience about FNB of Izard County by leaving a review below, or read customer reviews before you decide to use FNB of Izard County.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.51%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

FNB of Izard County

2184 Ar 56 Hwy
Calico Rock, AR 72519

https://www.fnbizardcounty.com

FNB of Izard County CD Rates

Product	Rate	APY	Term
7 Month Certificate	3.85%	3.88%	7 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
15 Month Certificate	3.30%	3.34%	15 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
10 Month Certificate	3.25%	3.26%	10 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
13 Month Certificate	2.75%	2.75%	13 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

FNB of Izard County’s Texas Ratio fell from 4.25% in Q3 2023 to 3.51% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$235M	3.51%	5.0	A+
March 31, 2026	$236M	4.28%	5.0	A+
December 31, 2025	$231M	4.05%	5.0	A+
September 30, 2025	$227M	3.52%	5.0	A+
June 30, 2025	$223M	4.98%	5.0	A+
March 31, 2025	$222M	6.27%	5.0	A
December 31, 2024	$216M	5.41%	5.0	A+
September 30, 2024	$219M	5.29%	5.0	A+
June 30, 2024	$211M	5.06%	5.0	A+
March 31, 2024	$209M	5.44%	5.0	A+
December 31, 2023	$205M	5.03%	5.0	A+
September 30, 2023	$201M	4.25%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Izard County is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FNB of Izard County rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FNB of Izard County's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Izard County

Bank Holding Company WYATT BANCSHARES INC

Address 2184 Ar 56 Hwy, Calico Rock, AR 72519 · Izard

Website https://www.fnbizardcounty.com

FDIC Certificate # 11252

Established 19140501

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.8992%

Return on Equity (ROE) 9.7200%

Non-Performing Loans (NPL) 1.04%

Total Assets $234,756,000

Total Deposits $160,037,000

Equity Capital $71,287,000

Net Income $3,389,000

Headquarters Calico Rock

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

FNB of Izard County earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/the-first-national-bank-of-izard-county-rates-review-11252">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FNB of Izard County yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for FNB of Izard County

Frequently Asked Questions About FNB of Izard County

How many branches does FNB of Izard County operate?

FNB of Izard County currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FNB of Izard County does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Izard County provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Izard County offer online and mobile banking?

Most modern institutions like FNB of Izard County provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbizardcounty.com.