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This institution is no longer active

Operations ceased on November 15, 2001. CRA examination history below reflects the period it was active.

CENTRAL BANK AND TRUST

LITTLE ROCK, AR · Supervised by FDIC

Est. 1990FDIC #33,242RSSD: FDIC-33242
Part ofARVEST BANK GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.43%

Institution Profile

FDIC BankFind

Address

1501 South Main, LITTLE ROCK, AR

County

Pulaski County

Established

November 30, 1990

Total Assets

$153M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2001Call Report / FDIC

Total Assets

$153M

Total Deposits

$131M

Net Loans

$89M

Net Income

$-1,444K

ROA

-1.43%

ROE

-13.70%

Risk-Based Capital

10.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.50%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243259.38%12.50%
20234280.95%11.90%
20198875%5.68%
20188580%9.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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