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This institution is no longer active

Operations ceased on November 2, 2019. CRA examination history below reflects the period it was active.

RIVER TOWN BANK

DARDANELLE, AR · Supervised by FDIC

Est. 1934FDIC #14,749RSSD: FDIC-14749
Part ofCHAMBERS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.59%

Institution Profile

FDIC BankFind

Address

102 North Front Street, DARDANELLE, AR

County

Yell County

Established

January 1, 1934

Total Assets

$149M(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

March 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 2019Call Report / FDIC

Total Assets

$149M

Total Deposits

$128M

Net Loans

$121M

Net Income

$612K

ROA

0.59%

ROE

4.70%

Risk-Based Capital

13.14%

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 Rate12.12%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193372.73%12.12%
20187466.22%27.03%

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

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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