# BANK OF ENGLAND
ENGLAND, AR · FDIC certificate 13303 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $332.3M | |
| Deposits | $254.1M | |
| Loans and leases | $98.5M | |
| Total equity | $65.0M | |
| Loans / deposits | 37.56% (p3 of band) | 82.04% |
| Liquid assets / assets | 60.79% (p97 of band) | |
| Uninsured deposits / deposits | 35.01% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.01% (p48 of band) | |
| FHLB advances / assets | 3.01% | |
| Tier 1 leverage | 19.91% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -5.73% (p59 of band) | -8.10% |
| AOCI / equity | -1.74% (p10 of band) | |
| ROA (annualized) | 0.35% (p8 of band) | 1.28% |
| Net interest margin | 3.60% (p33 of band) | 3.91% |
| Efficiency ratio | 93.40% (p97 of band) | |
| Noncurrent loans | 4.26% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 73.56% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 1.46% (p5 of band) | |
| Auto loans | $481,000 (0.49% of loans; DQ 2.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | wholesale funding >15% |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | loans exceed deposits |  |
| 2012-09 | 3 | liquid assets <10% |  |
| 2012-12 | 2 | uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | assets shrinking |  |
| 2013-09 | 2 | deposits shrinking | reserve under noncurrent |
| 2013-12 | 3 | reserve under noncurrent |  |
| 2014-03 | 0 |  | assets shrinking, deposits shrinking, reserve under noncurrent |
| 2014-06 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2014-09 | 6 | wholesale funding >15%, liquid assets <10%, capital falling, expense ratio p90 |  |
| 2014-12 | 5 |  | reserve under noncurrent |
| 2015-03 | 3 |  | capital falling, expense ratio p90 |
| 2015-06 | 4 | reserve under noncurrent |  |
| 2015-09 | 4 | expense ratio p90 | liquid assets <10% |
| 2015-12 | 2 |  | wholesale funding >15%, reserve under noncurrent |
| 2016-03 | 4 | wholesale funding >15%, assets shrinking |  |
| 2016-06 | 6 | reserve under noncurrent, deposits shrinking |  |
| 2016-09 | 5 | liquid assets <10% | assets shrinking, deposits shrinking |
| 2016-12 | 4 |  | wholesale funding >15% |
| 2017-03 | 5 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2017-06 | 5 | expense ratio p90, charge-offs p90 | deposits shrinking, assets shrinking |
| 2017-09 | 5 |  |  |
| 2017-12 | 3 |  | reserve under noncurrent, charge-offs p90 |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 | brokered >10% | loans exceed deposits, liquid assets <10% |
| 2018-09 | 2 | loans exceed deposits | brokered >10% |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | brokered >10%, wholesale funding >15% |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | capital falling |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 6 | losing money, NIM <2.5% | capital falling |
| 2020-06 | 5 |  | losing money |
| 2020-09 | 4 | uninsured deposits >50% | expense ratio p90, loans exceed deposits |
| 2020-12 | 5 | reserve under noncurrent |  |
| 2021-03 | 5 | run vulnerability | reserve under noncurrent |
| 2021-06 | 2 | expense ratio p90 | brokered >10%, wholesale funding >15%, uninsured deposits >50%, run vulnerability |
| 2021-09 | 2 |  |  |
| 2021-12 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 6 | losing money | capital falling |
| 2022-06 | 5 |  | uninsured deposits leaving |
| 2022-09 | 4 |  | NIM <2.5% |
| 2022-12 | 5 | uninsured deposits leaving |  |
| 2023-03 | 6 | charge-offs p90 |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 7 | capital falling |  |
| 2023-12 | 7 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 4 |  | charge-offs p90, capital falling, reserve under noncurrent |
| 2024-06 | 7 | charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2024-09 | 6 |  | reserve under noncurrent |
| 2024-12 | 7 | reserve under noncurrent |  |
| 2025-03 | 7 | uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 7 |  |  |
| 2025-09 | 7 |  |  |
| 2025-12 | 7 |  |  |
| 2026-03 | 4 |  | losing money, deposits shrinking, uninsured deposits leaving |
| 2026-06 | 3 |  | assets shrinking |

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

- 2026-06-12 [European Central Bank raises interest rate - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZUVwRnhRNmRPYks4dDJCSkMyYnJienpScVRDM3BsM0hoZm1iNW1xTk9ta3V5dmctWW02VlhTYi1Lc05vR1d6TXUwdWRDYTk0cnc3ZmNJeUVJR1ZwR0FrdmoyUFFBbjV3RGxvU29hcGZUN3BncnlYUDJIdmVSQkFtMzdHUURUelZObGMybjNHeGRGTHpnWXc?oc=5) · The Arkansas Democrat-Gazette
- 2026-06-25 [Report on the Bank’s official market operations March 2025–February 2026 - bankofengland.co.uk](https://news.google.com/rss/articles/CBMif0FVX3lxTE9SeTd3Wm1HWHdkTEt0TlhfejY0T0xoNTJsREpaaTZCY2M3SDFfdFI5YXNvc2xQYWxwYmFXbF90clk5Q2d0a1hWaEV0TEFTc2d5SktPa2FXeVBFanlIUzE4MXVVa1Y3eWhvVEd6WDlpaTJtUVNpZlo5VHZrcl9fSmM?oc=5) · bankofengland.co.uk
- 2026-06-25 [Bank of England threatens ‘escalation’ if private markets standards weaken - Financial News London](https://news.google.com/rss/articles/CBMitgFBVV95cUxQU1R4Q0J2cnV3Q00zQmxEaE5UZTVPZUpOVnNpUUxNUmhadjhCS1RVN3h1OWlkTFRtZ2JVZTBEVlktZkxsYlJZX2txUEpzWHZjR3RBSkJyMEFxZHlFUDJJQ2JGOTVzV05yR0VTV2Rob1hQS3lnZVpvZDlPNDhpRWdmZmQxeEliZ2l3UmN6LVZMU3hxRm5RUkt2QXJPZ1dEajJYeDRYd29NUDJhNmVnN1lBajdVZWlzQQ?oc=5) · Financial News London
- 2026-06-25 [Prudential Regulation Authority Annual Report 2025/26 - bankofengland.co.uk](https://news.google.com/rss/articles/CBMiowFBVV95cUxORnJsbWJhYnVOSjlEeWR5Z2xEcWtRRWlzQXhtMHAwR0VBaUZsSmo4VHVxbGlPOXhGa2E1ZzZMeHdTb3B2SEZZZVZwcUpnZm5iSWp0eDV4bWVrUFVTSmRaZlhkRFRXM3VlYWItYVB2S2pqTTBhUEltU2FmMENSQWVHTDdMaDN3ci11dkFBQ3diSWQ5a205NTQ5cWxjM2x1d3pxUkdR?oc=5) · bankofengland.co.uk
- 2026-03-11 [UK wildlife to replace famous faces on Bank of England banknotes - BBC](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9tWFk5OUZFblBmbkJoTzBUcEVMN3RmQ25USWZ3U3B4djJmcjRZREdueWxESG5WM2tSbHBHWTNmdC1XY1RubmlJMUVPdS0xTlBJSEhkaDM1dVFGYzhqQ1VEUUdSTQ?oc=5) · BBC
- 2026-07-30 [Bank of England Holds Interest Rate at 3.75% - وكالة الانباء الاردنية](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdkV1cDhRUnZsRms3Y2Z6ZnprTkloVDVXSnM2aEpYR2NPU3YxUWJyaFZJQlloUEZIRUNjTTVxZXVRNklhVkNadjE5TE5jQS0wLTZQckdjbnhDSnZNa0FPdC1pdnFybjFZZzZJMlNVUEVRb0pCcHpUWm5mMjFRRlMzZEtMUWpQeHdvbWFYc3dtTk90b0lf?oc=5) · وكالة الانباء الاردنية
- 2021-12-01 [Bank of England fined by FDIC - Banking Exchange](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOV2tQclFWUDZPN2lLakNpaTdpdzZBZE9makJYTm51aWF4cm5UZTEwajExTEtkV0VPSEw2dXhoMFlnV2Uzb3NSeUxpMGZVajlmeDRYeFpFNG5HQ0xvdTFEVDVOVExSXzlHOXN3Znp3RnJ0WUExMWpUeTBlbFl2dWxobXlJYjBkOFgx?oc=5) · Banking Exchange
- 2024-07-17 [Why the Bank of England should stop selling bonds - OMFIF](https://news.google.com/rss/articles/CBMihwFBVV95cUxQWXgxOVJlZVV4bHBjM0ItNkI0U0o4Uk5vb3JfTHBBeEgzUldkS2lKdEhLZnNtaEwwV0lSMDA3ZDBDWkMyRmZwbDBUOUkyUm1aSzU5ZmdiUHZKcVB2cnZlOHltOHE4U1Y3b0tsbWQ0c2lPUWtKOHhIUklSTnBSUVRWTlktM09saUU?oc=5) · OMFIF

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13303 (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/55.json (key "13303", 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