SPRINGDALE, AR · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$1.2B
Total Deposits
$1.1B
Net Loans
$1.1B
Net Income
$4M
ROA
1.33%
Above avg for Community banks. Peer avg: 0.90%
ROE
14.57%
Risk-Based Capital
11.05%
Below avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 162 | 76.54% | 3.09% |
| 2023 | 174 | 70.69% | 2.30% |
| 2022 | 235 | 74.47% | 1.70% |
| 2021 | 340 | 71.47% | 4.41% |
| 2020 | 214 | 71.5% | 0.93% |
| 2019 | 252 | 74.21% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2023 | Outstanding | Intermediate Small Bank |
| Mar 2020 | Outstanding | Intermediate Small Bank |
| Jan 2017 | Outstanding | Intermediate Small Bank |
2 previous ratings locked — back to 2007
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Total Branches
10
Branch Deposits
$1.1B
1-Year Change
0
5-year net change: +4 branches
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Preview:
| 2018 | 224 | 73.21% | 5.36% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red