# EUDORA BANK
EUDORA, AR · FDIC certificate 11254 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $30.5M | |
| Deposits | $27.9M | |
| Loans and leases | $9.0M | |
| Total equity | $2.5M | |
| Loans / deposits | 31.42% (p6 of band) | 69.26% |
| Liquid assets / assets | 66.18% (p93 of band) | |
| Uninsured deposits / deposits | 3.92% (p11 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.22% (p29 of band) | 10.33% |
| Unrealized securities loss / equity | -29.12% (p2 of band) | -0.53% |
| AOCI / equity | -25.02% (p3 of band) | |
| ROA (annualized) | 0.38% (p24 of band) | 0.77% |
| Net interest margin | 3.10% (p24 of band) | 3.62% |
| Efficiency ratio | 91.29% (p84 of band) | |
| Noncurrent loans | 0.97% (p47 of band) | 1.08% |
| Net charge-offs (annualized) | 0.03% (p46 of band) | |
| Reserve coverage of noncurrent | 259.77% | |
| Real estate % of loans | 26% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $434,000 (4.83% of loans; DQ 10.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 4 | capital falling, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  | deposits shrinking |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | AOCI drag >20% of equity |  |
| 2013-09 | 2 |  |  |

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

- 2026-04-27 [Eudora Bank Branch Changes Hands Between Two Louisiana Banks - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxPV2FaUmpUNG1aLW1DZWJmaFRqZDFtNUpBVXNFenVLekdJWjVMS2NPWHZ4ODYtWXRwRzNFYUgtaU5RbndjUTBMMGM2U3lJVDYzWkpiVFBiU05FZjdtbXBfSkVXSWt1WHlXQUgwZU94ZVFqYTlFMnoxeW1HUlI1SGZxeE1zM2swSWIxSFFkZmttbWxabWdKcW5yam9DWnJtNEpPbDBENw?oc=5) · Arkansas Business
- 2025-11-17 [Carl W. Ray, Sr., age 88 - A Natural State Funeral Service](https://news.google.com/rss/articles/CBMieEFVX3lxTE9PdWxNNkU0TGY2VXJadVlEcUNBWHhGOEdWcnpJTVRhazZYTGN3Y1JYaG5tOGoxOXUyVldVcXY4RnU1cHR6ZEpqOHlmLXVzMWRGbzBqaGI1WXhjUUEyRHZGbGZHaVF6MEJtZG00eFFSUTZBSzNVQlh0MA?oc=5) · A Natural State Funeral Service
- 2018-04-30 [The history behind Jones Performing Arts Center and Verser Theatre - Ouachita Baptist University](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOcEVRNjYzNUp5MVppeEpDY0J2ZDFRZ1NUQTZZcXc5YXAzTU55TFVMVVVMN1M4OXNBamxSYXk2SEtiQnJXWEJ6ZENpRC04cXNhS0NycU5Yeld4bTBmaVpCYUxMZ0ZsLUYwOG5mT05VY0drXy11SGlEQUVRYVBGVkdNUVFqb3RCbE8xbkpRTEo0S2hFdE9wOFR3UGFpa19CWE8xSWJBOXNydmQtNG9MX2VGamFSWWZNNEhuaXpOQVNMdmpfUTF0QkJNLXRUYnl4bGV3?oc=5) · Ouachita Baptist University
- 2017-12-08 [Harold Lloyd Cochran, Sr. Obituary Dec 8, 2017 - Diehl-Whittaker Funeral](https://news.google.com/rss/articles/CBMidEFVX3lxTE5ibi05bFZnVE9EOXc1ci1SQzhFem1IemhrVmNQVG8zNG5qQWhQVnpwTC1jZmdmNGNMbnJGdTFEdTlsYkdDWGtUTDgwVG03V0owQXhkVGc5d3o4NjJENmdZa1BDOGt3aXhMQUowTjhCdFpOOFEx?oc=5) · Diehl-Whittaker Funeral
- 2010-07-07 [Alvin Reynold Meyer Jr. - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSDZBX3BCSC1zWUhLSm1HTjdJMmRCejVkdXhXbzU0RGpfR2N1RFRUbzFKemcwaE9Ja2Fqb3Q5UVE1TFdFaG12S19rUjZXdTJxcUdiSm9GbURKNENrbkZsRk9jamdKdnNXa0xiWUFvYjREY2ZjdXA2WDBCOWtpNUNSNVRlVnBLTlU?oc=5) · The Arkansas Democrat-Gazette
- 2025-08-23 [Mildred Kathleen Stephenson Obituary (2025) - Cabot, AR - Thomas Funeral Service - Cabot - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOeWllbW85bVA4X1paOFF0TmNoR3Vqa2tFaE9uSV82Y3Z6MTY4c2FJMjQ2YnRwVnJkVEhsaGM2am5TYkNXbGNaUzdlQ1FjU0UtdGNLd3Rwcy1wa25yODlqMHZ2ZGZnb2lNVHhiMTFBNTlZdUtHc21SVHdReDNxNHltY3ZmdlB1cGJh?oc=5) · legacy.com
- 2024-11-02 [WILLIAM WEAVER Obituary (2024) - Little Rock, AR - Pocahontas Star Herald - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSlhra29FY0wwT0ZEQVN3MVVpQUNNM3ZtMnJnVDR4NlEtQ3pfSUE0QjFYb1JVTzQxSDZTd0syWjNVZWlSVUptYnpQZnNVOUhfNXJORWk5RjVMN3lQdVJRQkhKNjc0SDZtQ1JaT01UYk0yOUw2Wjl5V3h4c01scjVwZjZoeVFrUTBkZVVscHRaZzdPcVZQY1JR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11254 (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/54.json (key "11254", 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