Member FDIC. Equal Housing Lender. Since 1912, FNBC , originally chartered as the Bank of Ash Flat, has been a strong and contributing member of the community. Today, we're proud to continue this tradition with full-service offices in Ash Flat, Cherokee Village, Highland, Hardy, Mammoth Spring, Salem, Horseshoe Bend, Melbourne, Batesville and Mountain Home. Our history is one of leadership and partnership. From the signing of our charter in 1912, we have worked hard together; we have learned much together and have grown together. We owe our success to the patronage and loyalty of our customers. We have worked hard to earn the trust you have placed in us. For 100 years, we have remained loyal and steadfast to our founding principles. These principles continue to guide us today. They enable us to approach the future from strength – from a tradition of sound and solid banking.