# BANK OF CAVE CITY
CAVE CITY, AR · FDIC certificate 105 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $194.4M | |
| Deposits | $171.9M | |
| Loans and leases | $131.8M | |
| Total equity | $11.5M | |
| Loans / deposits | 76.18% (p55 of band) | 73.59% |
| Liquid assets / assets | 25.23% (p33 of band) | |
| Uninsured deposits / deposits | 20.81% (p54 of band) | 19.81% |
| Brokered deposits | 0.69% | |
| Wholesale funding | 4.50% (p71 of band) | |
| FHLB advances / assets | 3.81% | |
| Tier 1 leverage | 8.38% (p5 of band) | 11.76% |
| Unrealized securities loss / equity | -42.50% (p8 of band) | -6.57% |
| AOCI / equity | -2.92% (p6 of band) | |
| ROA (annualized) | 0.78% (p29 of band) | 1.17% |
| Net interest margin | 4.35% (p70 of band) | 3.93% |
| Efficiency ratio | 81.11% (p80 of band) | |
| Noncurrent loans | 1.62% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 39.73% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 44.22% (p75 of band) | |
| Auto loans | $1.0M (0.79% of loans; DQ 3.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 1 |  | uninsured deposits leaving |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 3 | capital falling, charge-offs p90 |  |
| 2020-06 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, noncurrent p90, construction >100% equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 2 | construction >100% equity | reserve under noncurrent, uninsured deposits leaving |
| 2023-12 | 2 | capital falling | construction >100% equity |
| 2024-03 | 2 | reserve under noncurrent | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [Bank of Cave City named national community bank service award winner - White River Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxORmgzcG96U3JlRlNhdzhZaXZ2aGRlYlhLTFFvUVlYMl9BNW5YT1RVZHhrMGkxSVBvQjBBTWloejMtSERMdGhkS201VUlMdjNlTDFtRllOWE9xMml4TlNkMDE1MFVVQndTLXdUXzk4UmlqRkhDYTRIS3F6Y0V3bkp6QzZvZHJMT0lPcUZiU3NmejJ0T0lxSUx2TEdfY1dHYm9iUHdmUkJfRHBzQnR3ZkZ3?oc=5) · White River Now
- 2026-09-01 [Bank of Cave City Wins 2026 National Community Bank Service Award For Tornado Response - Arkansas Radio](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWnkwZjQ0ZnJSdDdaaGktek1UeWh5VGJjWmZjN0Z1TXdyb2p2QkRMb0JXUkxBWjY5UFZWUDl2MWJZVVBRa0ktSlVOSDB1RXpJbGZPYnhSVjNFd3ZTWUJuYWpRd2VQNEczOUpZRE5RVXBKZlhwb3ZxaDFYVWo1clN4amNYZmhwdkFDbGUzNGRtZ3k4R1N5dzkyVnczQQ?oc=5) · Arkansas Radio
- 2026-04-02 [FNBC renews partnership for Arkansas Pie Festival in Cherokee Village - White River Now](https://news.google.com/rss/articles/CBMisAFBVV95cUxPN2NDbXZaV0M1TUhYUXpCeDVuQkdocGttaS1YV25ObHNYN2dGcTRPc0lPSTZ0UGZ5Wld4cHY1NG51NnlCYkJ6UmpoRmxIWjU4MFZERXRUcnF5aDBIVjNvZTVEVVFfX1ZYQzVhTEV1OGEwencyT2dHc21ZMkxIMUxsY05KQzVJa3BwYm5XVEZvdy1fQlNtUmsxSFlocTFVTU5NZEtYeUhZOURBWU5xMDlWVQ?oc=5) · White River Now
- 2026-07-23 [Cave City Watermelon Festival continues with live music, parade, and lots of melons - White River Now](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNUW53NXl5ZzllS1N1ZW9VWmYtZXZTSkxTMzhEVUM1amlRUVZSTEg2RHh1SHN3YlJIMXZ3UVY3Q1NWcWthUnZqdk9PQTVGOWhXQUw4ZThFTE9NRXoxX0ViZURhOFZpQklhTVNHb3pLakNjVmhUT19XQkhMSVZDcWFVX3NLUVV4cThydHFObFMxaXdLaFlRVEJBeDAtWEkzT1Uza0lxR3c1c3lZd1dRLWwxeTQ0blRhQnRVMnBlNTl6WXg?oc=5) · White River Now
- 2023-11-06 [Bank CFO: Kim Nunnally, Bank of Cave City - Arkansas Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOUQ0ZlNBRGRPT1drZmFaWEoxdlpvZFRDYlRZeTVOa05KajNFbHFUT25SU290VExWOFdtaG8tc1NQNU5pN19XY2xqTUwtNldnZ3h3VkQ5NnlyaU85WGNCaFcyUWhNSmUxR041UzNSeWRESUVlelNHQk81OS1kRkJhLWRxMURLTmlX?oc=5) · Arkansas Business
- 2026-03-12 [The White River Health Foundation Board of Trustees Welcomes 3 New Members in Batesville Arkansas - Arkansas Radio](https://news.google.com/rss/articles/CBMizAFBVV95cUxQV0E1VXMwaWQ5b0k1dW9LYmE5ZF9lTjZzUC1RbUVBcG1rMHpQYllyeWN1Ny1Sb3lOUTdjN0pIQ2t3a3FpZ2l5TmUtbnRLZTJEZzVNT3c2b19QaVpNMFVsek43eE5QSVZpQkVDaEVPckhfSFhxTXJWYzRfOXBzSmFYWTVpd3M5VDBqY1JBUGdFeTVsZ0hleVVNS1ZSWXFTeG5XeGlyZ09Pc3JraHFOc3RlVC04Zk1xRjdURzJJYUY5WFlKOHpqbXZPSnFjcVI?oc=5) · Arkansas Radio
- 2022-12-06 [Gary Dean Farmer Obituary Dec 6, 2022 - quallsfh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE52WXBYY3F1ZWtNWW9rS0N6UmxLM2RkWi1UeWpiVy1qOWszVGtQX1RpVVdYYU1oQzlWQ0xoUm5CZjRmdmVSYTF0LVpMSXhyWVU3eEJIT0p3NE5yQ1k?oc=5) · quallsfh.com
- 2023-09-09 [Rival Arkansas high school football teams unite on field to support student battling leukemia - KATV](https://news.google.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?oc=5) · KATV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=105 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "105", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide