The catalogue › United States › South Central › Arkansas
The state note · prepared 7 September 2026

Arkansas

78 banks and 49 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

78 banks filing · read from the 30 June 2026 Call Report
78
banks filing
$184B in assets
+6.8%
Loans, year over year
median; 21 above 10%, 12 shrinking
29.0%
CRE / loans
median
86.8%
Loans / deposits
median
0.67%
NPA / loans
median
10.7%
Equity / assets
median

Arkansas's 78 banks hold $184B in assets at 30 June 2026. Bank Ozk is the largest at $41.7B, and the five largest hold 69% of the total; 24 institutions are above $1B, holding $165B.

Loans grew a median +6.8% in the year to 30 June 2026: 21 institutions grew faster than 10% and 12 shrank. The median bank lends 87% of its deposits and holds commercial real estate at 29.0% of loans. Nonperforming loans sit at a median 0.67% of the book, return on assets at 1.22%, and equity at 10.7% of assets.

14 of the 78 are in the catalogue, each read from its own filing beside the banks its size in the state: Bank Ozk, Arvest Bank, Simmons Bank, Centennial Bank, First Security Bank, Encore Bank, First Community Bank, First National Bank, First National Bank of Fort Smith, First Financial Bank, Farmers & Merchants Bank, Diamond Bank, Central Bank, Stone Bank.

Who holds the state's assetseach institution's share of the $184B the state's 78 hold; the largest first, amber in the catalogue
Bank Ozk: 22.6%BO23%Arvest Bank: 15.2%AB15%Simmons Bank: 13.4%SB13%Centennial Bank: 13.3%CB13%First Security Bank: 4.7%FSEncore Bank: 2.0%First Community Bank: 2.0%Farmers Bank & Trust Co.: 1.7%Southern Bcorp Bank: 1.6%First National Bank: 1.4%68 others 22%BOBank Ozk22.6%ABArvest Bank15.2%SBSimmons Bank13.4%CBCentennial Bank13.3%FSFirst Security Bank4.7%EBEncore Bank2.0%FCFirst Community Bank2.0%FBFarmers Bank & Trust …1.7%SBSouthern Bcorp Bank1.6%FNFirst National Bank1.4%

Bank Ozk holds 22.6% of the state's bank assets; the five largest hold 69%, and 24 of the 78 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestBank Ozk: 23% of the totalThe five largest69% of the totalThe ten largest78% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 69% of the assets in 6% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Nonfarm nonresidential, non-owner-occupied20.9%$28.2B1-4 family residential, closed-end16.2%$21.9BConstruction & land14.8%$20.0BCommercial & industrial13.6%$18.4BNonfarm nonresidential, owner-occupied8.9%$12.0BMultifamily5.7%$7.6BConsumer, other5.3%$7.1BFarmland4.7%$6.4BOther loans and leases3.6%$4.8BHome equity lines2.2%$2.9BAgricultural production2.0%$2.6BAuto1.4%$1.8BStates & municipalities0.6%$751MCredit card0.3%$435M

Nonfarm nonresidential, non-owner-occupied is the largest category at 20.9% of the state's $135B in loans, then 1-4 family residential, closed-end at 16.2% and Construction & land at 14.8%.

Loans, year over yearArkansas banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 78 · amber, in the catalogue
state median +6.8% FB FM Bank & Trust +140.8% FS First Service Bank +26.3% FN First National Bank of Commerce +24.3% PB Producers Bank & Trust +23.2% RB Riverside Bank +21.9% CS Community State Bank +20.4% CB Central Bank +19.2% PB Peoples Bank +18.9% LB Legacy Bank +16.8% FN First Naturalstate Bank +15.5% R Riverbank +14.2% FF First Financial Bank +13.8% FW First Western Bank +13.5% CB Centennial Bank +12.9% FS First State Bank +12.7% FC First Community Bank +12.4% EB Eagle Bank & Trust Co. +12.1% SB Signature Bank of Arkansas +12.0% AB Anstaff Bank +11.0% RB Riverwind Bank +10.4% PB Priority Bank +10.1% Bo Bank of Delight +9.8% PJ Petit Jean State Bank +9.7% GB Generations Bank +9.5% CB CS Bank +9.4%

FM Bank & Trust grew fastest at +140.8%; 21 grew faster than 10% and 12 shrank, Bank of Little Rock the most at -6.9%. The median is +6.8%.

Commercial real estate, share of loansArkansas banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 78 · amber, in the catalogue
state median 29.0% CB Chambers Bank 55.1% FS First Security Bank 53.6% BO Bank Ozk 53.1% CB Citizens Bank & Trust Co. 51.5% Bo Bank of Bearden 49.0% RB Relyance Bank 47.9% CB Centennial Bank 47.6% FN First National Bank of Fort Smith 47.5% FB Farmers Bank & Trust Co. 47.4% PB Partners Bank 47.4% FB Fidelity Bank 46.5% SB Simmons Bank 46.3% GB Generations Bank 45.5% MP Merchants & Planters Bank 44.2% TB Todays Bank 41.3% FS First State Bank 41.2% EB Encore Bank 40.2% EB Eagle Bank & Trust Co. 39.5% UB United Bank 39.2% FN First National Bank of Eastern Ar… 38.9% SB Signature Bank of Arkansas 38.5% FS First Service Bank 38.1% MN Malvern National Bank 36.2% Bo Bank of Little Rock 36.2% FN First National Bank 35.6%

Chambers Bank is the most CRE-weighted at 55.1% of loans; 17 of the 78 are above 40%, against a median of 29.0%.

Commercial real estate against capital, the 300% screenArkansas banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 78 · amber, in the catalogue
state median 172% 300% screen FS First Service Bank 379% FB Farmers Bank & Trust Co. 365% SB Simmons Bank 345% SB Signature Bank of Arkansas 304% CB Chambers Bank 302% FN First National Bank of Fort Smith 294% LB Legacy Bank 292% EB Encore Bank 291% PB Partners Bank 288% FW First Western Bank 279% GB Gateway Bank 277% UB United Bank 275% TB Todays Bank 274% AB Armor Bank 263% GB Generations Bank 260% BO Bank Ozk 260% RB Relyance Bank 259% FM Farmers & Merchants Bank 257% CB Centennial Bank 257% FC First Community Bank 257% CB Citizens Bank 255% FS First State Bank 248% CB Central Bank 246% CS Community State Bank 243% FN First National Bank 241%

5 of the 78 banks sit above the 300% screen, First Service Bank the highest at 379% of capital; the median is 172%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenArkansas banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 78 · amber, in the catalogue
state median 58% 100% screen FS First Service Bank 234% MF Merchants & Farmers Bank 172% Bo Bank of Little Rock 165% GB Gateway Bank 164% FW First Western Bank 159% UB United Bank 156% FC First Community Bank 127% SB Signature Bank of Arkansas 127% GB Generations Bank 123% CB Chambers Bank 117% LB Legacy Bank 108% CS Community State Bank 107% SB Simmons Bank 106% RB Riverwind Bank 104% BO Bank Ozk 104% FN First National Bank of Fort Smith 98% FM Farmers & Merchants Bank 98% FA First Arkansas Bank & Trust 96% PB Priority Bank 93% SB Southern Bcorp Bank 92% UB Union Bank & Trust Co. 92% CB Centennial Bank 88% FN First National Bank 87% TB Todays Bank 86% FF First Financial Bank 85%

15 of the 78 banks sit above the 100% construction screen, First Service Bank the highest at 234%; the median is 58%.

Loans to depositsArkansas banks, 30 June 2026 · listed highest first · the 25 highest of 78 · amber, in the catalogue
state median 87% PB Peoples Bank 111% RB Riverside Bank 110% CB Central Bank 110% CB CS Bank 109% Bo Bank of Delight 106% PB Partners Bank 104% CS Community State Bank 103% FF First Financial Bank 103% FC First Community Bank 103% FN First National Bank 99% CB Cross Bank 99% GB Gateway Bank 99% SB Stone Bank 98% PB Producers Bank & Trust 97% FN First Naturalstate Bank 97% FS First Service Bank 97% FW First Western Bank 96% BO Bank Ozk 96% HS Horatio State Bank 96% UB United Bank 95% LB Legacy Bank 95% SB Signature Bank of Arkansas 94% BB Bodcaw Bank 94% FB FM Bank & Trust 93% RB Relyance Bank 93%

9 of the 78 lend more than they hold in deposits, Peoples Bank the furthest at 111%; the median is 87%.

Nonperforming loans, share of loansArkansas banks, 30 June 2026 · listed highest first · the 25 highest of 78 · amber, in the catalogue
state median 0.67% CB Commercial Bank & Trust Co. 5.40% CB Central Bank 4.76% Bo Bank of England 4.26% GB Gateway Bank 3.96% FF First Financial Bank 3.64% R Riverbank 3.42% PB Priority Bank 3.37% CB Cross Bank 2.47% MF Merchants & Farmers Bank 2.40% PB Peoples Bank 2.23% FN First National Bank of Izard Coun… 2.09% EB Evolve Bank & Trust 1.88% Bo Bank of Salem 1.79% FA First Arkansas Bank & Trust 1.63% Bo Bank of Cave City 1.62% WB Warren Bank & Trust Co. 1.52% GB Generations Bank 1.51% SB Southern Bcorp Bank 1.42% BB Bodcaw Bank 1.38% CB CS Bank 1.37% FB Farmers Bank & Trust Co. 1.32% MP Merchants & Planters Bank 1.29% FS First State Bank of Dequeen 1.23% HS Horatio State Bank 1.18% UB Union Bank & Trust Co. 1.11%

Commercial Bank & Trust Co. carries the most nonperforming loans at 5.40% of the book; 27 of the 78 are above 1%, and the median is 0.67%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%1.00%2.00%3.00%4.00%NPA / loansAllowance / loansBoBank of Lake Village+3.77%FSFirst Security Bank+2.12%MNMalvern National Bank+1.94%PBPeoples Bank+1.77%PBProducers Bank & Trust+1.71%FSFirst State Bank+1.49%UBUnited Bank+1.48%FNFirst National Bank+1.47%CBConnect Bank+1.46%CBCentennial Bank+1.38%CBCitizens Bank & Trust Co.+1.31%BoBank of Bearden+1.27%UBUnion Bank+1.26%PJPetit Jean State Bank+1.25%BoBank of Little Rock+1.23%LBLegacy Bank+1.20%SBSignature Bank of Arkansas+1.13%EBEncore Bank+1.13%FBFNBC Bank+1.12%CBCitizens Bank+1.10%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 19 of the 78 hold an allowance smaller than their nonperforming loans.

Return on assetsArkansas banks, 30 June 2026 · listed highest first · the 25 highest of 78 · amber, in the catalogue
state median 1.22% FN First National Bank of Izard Coun… 2.85% UB Union Bank 2.39% FF First Financial Bank 2.16% CB Connect Bank 2.14% CB CS Bank 2.08% CB Centennial Bank 2.03% Bo Bank of Salem 2.03% FN First National Bank of Fort Smith 2.00% Bo Bank of Delight 1.99% Bo Bank of 1889 1.98% PJ Petit Jean State Bank 1.94% FB FM Bank & Trust 1.93% CB Cross Bank 1.91% AB Anstaff Bank 1.87% Bo Bank of Bearden 1.86% PB Producers Bank & Trust 1.79% PB Peoples Bank 1.79% FS First Security Bank 1.77% CB Chambers Bank 1.74% PB Peoples Bank 1.68% PB Priority Bank 1.65% BO Bank Ozk 1.61% SB Stone Bank 1.61% FB FNBC Bank 1.57% FA First Arkansas Bank & Trust 1.56%

First National Bank of Izard County earns the most at 2.85% and Bank of Little Rock the least at -1.28%; 5 of the 78 earn under 0.50%, and the median is 1.22%.

The efficiency ratio, with the return beside itArkansas banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 78 · amber, in the catalogue
state median 58.9% CB Central Bank 34.5% ROA 1.07% BO Bank Ozk 39.5% ROA 1.61% PJ Petit Jean State Bank 40.0% ROA 1.94% FN First National Bank of Izard Coun… 41.0% ROA 2.85% CB Cross Bank 41.9% ROA 1.91% PB Peoples Bank 42.1% ROA 1.79% CB Centennial Bank 42.2% ROA 2.03% FS First Security Bank 43.5% ROA 1.77% CB Citizens Bank & Trust Co. 47.7% ROA 1.54% FN First National Bank of Fort Smith 47.9% ROA 2.00% CB Citizens Bank 48.2% ROA 1.48% FB FM Bank & Trust 48.6% ROA 1.93% Bo Bank of Delight 49.2% ROA 1.99% Bo Bank of Bearden 50.2% ROA 1.86% LC Logan County Bank 50.3% ROA 1.21% UB Union Bank 51.3% ROA 2.39% HS Horatio State Bank 51.4% ROA 1.20% Bo Bank of Salem 51.6% ROA 2.03% R Riverbank 52.4% ROA 1.25% PB Producers Bank & Trust 52.5% ROA 1.79% SS Smackover State Bank 52.7% ROA 1.16% AB Anstaff Bank 52.8% ROA 1.87% SB Stone Bank 53.1% ROA 1.61% FS First State Bank of Dequeen 53.5% ROA 1.50% FF First Financial Bank 55.3% ROA 2.16%

Central Bank runs the leanest at 34.5% of revenue in cost; 6 of the 78 spend more than 80 cents of every revenue dollar, and the median is 58.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Bank Ozk$41.7B-1.3%53.1%96%0.92%1.61%15.1%
Arvest Bank$28.1B+7.0%29.3%83%0.86%0.53%8.4%
Simmons Bank$24.7B+5.6%46.3%91%0.92%1.19%13.1%
Centennial Bank$24.6B+12.9%47.6%87%0.55%2.03%17.2%
First Security Bank$8.6B+7.3%53.6%68%0.14%1.77%14.1%
Encore Bank$3.7B-6.9%40.2%81%0.17%0.38%8.4%
First Community Bank$3.6B+12.4%30.3%103%0.31%1.32%7.8%
Farmers Bank & Trust Co.$3.2B+6.6%47.4%89%1.32%1.39%9.2%
Southern Bcorp Bank$3.0B+9.0%30.6%85%1.42%0.86%12.5%
First National Bank$2.6B+5.5%35.6%99%0.19%1.19%11.6%
First National Bank of Fort Smith$2.3B-0.1%47.5%78%0.44%2.00%12.3%
First Financial Bank$2.0B+13.8%16.6%103%3.64%2.16%11.4%
Farmers & Merchants Bank$2.0B+5.9%34.6%83%0.39%1.05%11.2%
Signature Bank of Arkansas$1.6B+12.0%38.5%94%0.04%1.07%9.3%
Citizens Bank$1.6B+4.9%33.3%86%0.37%1.48%9.0%
Five years, 2021 to 2026the 78 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$82.9B$135B+63%
Deposits, in total$114B$153B+34%
NPA / loans, median0.50%0.67%+0.17 pts
Efficiency, median60.2%58.9%-1.4 pts
ROA, median1.37%1.22%-0.15 pts

Small-business lending

SBA 7(a) approvals into Arkansas since FY2008, across every lender type

$2.9B of 7(a) credit has been approved into Arkansas since FY2008 across 5,668 loans. Agriculture, forestry & fishing is the largest category at 32.0%, Accommodation & food services at 14.2%, Retail trade at 11.4%; the three together are 58% of the money. The heaviest losses fall in Construction, at 8.20% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 260 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
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 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 LN Legacy National Bank 1.8% $52M · 131 loans CB Centennial Bank 1.7% $49M · 153 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Agriculture, forestry & fishing33.6%$938M · 1,003 loansAccommodation & food services14.9%$416M · 747 loansRetail trade12.0%$335M · 754 loansHealth care & social assistance7.5%$209M · 459 loansManufacturing7.4%$207M · 329 loansOther services5.0%$139M · 447 loansConstruction4.9%$137M · 525 loansProfessional & technical services4.4%$123M · 360 loansWholesale trade2.9%$82M · 150 loansTransportation & warehousing2.8%$79M · 224 loansAdministrative & waste services2.3%$65M · 221 loansArts, entertainment & recreation2.1%$60M · 154 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Agriculture, forestry & fishing$938M1,00332.0%$5M0.52%
Accommodation & food services$416M74714.2%$15M3.68%
Retail trade$335M75411.4%$13M3.92%
Health care & social assistance$209M4597.1%$3M1.51%
Manufacturing$207M3297.1%$10M4.95%
Other services$139M4474.8%$2M1.33%
Construction$137M5254.7%$11M8.20%
Professional & technical services$123M3604.2%$1M1.19%
Wholesale trade$82M1502.8%$3M3.89%
Transportation & warehousing$79M2242.7%$5M6.18%
Administrative & waste services$65M2212.2%$2M2.84%
Arts, entertainment & recreation$60M1542.0%$3M4.24%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Pulaski$432M877110
Benton$409M79490
Washington$323M63292
Sebastian$118M20750
Faulkner$84M22848
Garland$84M27644
Craighead$82M13938
White$70M10534
Randolph$65M749
Saline$52M18339

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Arkansas institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Arkansas

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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