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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

Arvest Bank

Fayetteville, Arkansas · $28.05B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

8.4%
Equity / assets
12th of 12
0.53%
ROA
12th of 12
81.6%
Efficiency
12th of 12

Arvest Bank is the fourth largest of the 12 the South Central states banks nearest its size over $10B, with $28.05B in assets at 30 June 2026. Loans are 83.2% of deposits, 2nd of 12 against a median of 90.8%, and equity is 8.4% of assets, the lowest in the cohort. Loans grew +7.0% in the year, 5th of 12, and deposits grew 1.9%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.86% of the book, 5th of 12 against a median of 0.92%; 0.61% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.37% of loans, 11th of 12. Commercial real estate is 29.3% of loans, 3rd of 12 against a median of 36.9%, and 213% of capital, below the 300% screen, with construction at 72% against the 100% screen. CRE has grown +51.6% over 36 months, past the guidance's 50% prong.

Return on assets is 0.53%, the lowest in the cohort against a median of 1.39%, on an efficiency ratio of 81.6%, the highest in the cohort. Five years ago it was 1.68%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Return on assetsSouth Central states banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.39% CB Centennial Bank 2.03% SB Servisfirst Bank 1.88% SY Stock Yards Bank & Trust Co. 1.62% BO Bank Ozk 1.61% F Firstbank 1.47% RB Renasant Bank 1.40% FH First Horizon Bank 1.38% TB Trustmark Bank 1.33% OB Origin Bank 1.22% SB Simmons Bank 1.19% HW Hancock Whitney Bank 1.00% AB Arvest Bank 0.53%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Arvest Bank is the 3rd largest 7(a) lender into Arkansas of 260, with $292M across 943 loans, 9.9% of everything approved in the state (First Financial Bank leads with $379M). 61 of its 123 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Arkansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Benton, AR$106M1st of 9025.8%-13.3 pts
Washington, AR$77M1st of 9223.8%-1.3 pts
Delaware, OK$52M1st of 3056.3%-62.5 pts
Tulsa, OK$48M5th of 1594.3%-2.4 pts
Greene, MO$28M6th of 803.4%+0.3 pts
Pulaski, AR$27M4th of 1106.3%-4.2 pts
Oklahoma, OK$21M8th of 1722.1%-0.6 pts
Johnson, KS$16M21st of 1851.2%-1.9 pts
Jasper, MO$14M4th of 586.4%-7.6 pts
Garland, AR$13M2nd of 4415.7%-13.6 pts
Le Flore, OK$10M1st of 2227.9%+88.4 pts
Taney, MO$9M7th of 595.1%-1.6 pts
Jackson, MO$9M31st of 1830.9%+0.3 pts
110 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Agriculture, forestry & fishing139$202M31.9%2.50%4th of 1,007
Accommodation & food services289$71M11.3%0.09%177th of 2,596
Retail trade316$55M8.7%0.09%171st of 2,589
Health care & social assistance238$47M7.3%0.10%142nd of 2,172
Manufacturing127$41M6.5%0.10%177th of 2,246
7(a) lenders into Arkansas, share of approvals since FY2008260 lenders on record; the ten largest and Arvest Bank
FF First Financial Bank 12.9% $379M · 620 loans LO Live Oak Banking Company 10.7% $313M · 188 loans AB Arvest Bank 9.9% $292M · 943 loans SB Southern Bancorp Bank 4.5% $131M · 158 loans AC Acc Capital 4.2% $123M · 258 loans FS First Service Bank 3.5% $103M · 154 loans RB Regions Bank 3.3% $97M · 140 loans TH The Huntington National Bank 3.0% $89M · 143 loans BO Bank Ozk 2.8% $82M · 119 loans SB Simmons Bank 2.5% $72M · 267 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Arvest BankRankCohort median
Total CRE against capital, the 300% screen213%3rd of 12252%
Construction against capital, the 100% screen72%8th of 1267%
Construction and land development, share of loans9.9%7th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans15.8%4th of 1221.4%
Total CRE, the guidance definition, share of loans29.3%3rd of 1236.9%
CRE growth over 36 months, the third prong+51.6%11th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Arvest BankCohort median
20212026Change20212026Change
Loans$14.33B$20.47B+43%$10.62B$17.56B+65%
Deposits$22.78B$24.60B+8%$14.43B$19.75B+37%
NPA / loans0.73%0.86%+0.14 pts0.61%0.92%+0.31 pts
Efficiency69.5%81.6%+12.1 pts62.9%55.5%-7.4 pts
ROA1.68%0.53%-1.15 pts1.40%1.39%-0.01 pts

This read was prepared for Arvest Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Arvest Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.arvest.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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