# RIVER TOWN BANK
DARDANELLE, AR · FDIC certificate 14749 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 5 (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 | $148.9M | |
| Deposits | $127.9M | |
| Loans and leases | $121.2M | |
| Total equity | $18.3M | |
| Loans / deposits | 94.71% (p83 of band) | 77.79% |
| Liquid assets / assets | 9.74% (p4 of band) | |
| Uninsured deposits / deposits | 13.76% (p41 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.54% (p52 of band) | |
| FHLB advances / assets | 1.54% | |
| Tier 1 leverage | 10.38% (p32 of band) | 11.56% |
| Unrealized securities loss / equity | 0.19% (p31 of band) | 0.80% |
| AOCI / equity | 2.27% (p50 of band) | |
| ROA (annualized) | 0.59% (p22 of band) | 1.05% |
| Net interest margin | 1.74% (p2 of band) | 3.84% |
| Efficiency ratio | 55.54% (p16 of band) | |
| Noncurrent loans | 1.10% (p69 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 0.68% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 103.09% (p96 of band) | |
| Auto loans | $431,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.4% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## 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 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 3 | losing money, noncurrent p90 |  |
| 2013-06 | 4 | expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2013-09 | 5 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-12 | 6 | reserve under noncurrent |  |
| 2014-03 | 5 | noncurrent p90, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90 |
| 2014-06 | 4 |  | noncurrent p90 |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 2 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | deposits shrinking |  |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 1 | reserve under noncurrent | charge-offs p90, deposits shrinking, assets shrinking |
| 2016-12 | 1 | deposits shrinking | reserve under noncurrent |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 2 | reserve under noncurrent |  |
| 2018-03 | 3 | expense ratio p90, noncurrent p90 | uninsured deposits leaving |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 | charge-offs p90 | expense ratio p90, noncurrent p90 |
| 2019-03 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2019-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2019-09 | 5 | liquid assets <10%, capital falling, NIM <2.5%, reserve under noncurrent, construction >100% equity |  |

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

- 2019-04-24 [Danville-based Chambers Bank strikes deal to buy River Town Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQ2FfRTNjZGZNTVE5QXIzUEgyRGFUWWJWdldMbEpYbU5aWmM5aWFJTVVUNnU5MWtvZFhXWHdXRVA3dUMwb0ZiVmJUckotQlNPaFRkVUZUNDZucWU4X2QtSkk1TlI4eXR0SjdTa0V6Q3pSdkVUeTVQR1JBVEhBWDhZd0dfLV9XSlNGSndUTmZPdDVzUkdNZzZIYVNVRHAwVUk?oc=5) · Talk Business &amp; Politics
- 2019-10-07 [John Daly Investor Gets Contempt Charge Thrown Out - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaWdwOGFXX3hPbi1MVUc5QnU1TXBnSGRjdGxXaDRhNXN0WDR0aEJjQkg1MGxkNkVYQWMyYkFOMUUyWjlQYmVnT0NJOFZvam11ek1qODdvTjB0aWxKNzdCaVppOFBBdU9VSFllSzZDSlh1MGItRE9uejNheE11dy12bndmQ3YtbUpfRmtsTUwxT1dRR1ktaXNJ?oc=5) · Arkansas Business
- 2020-12-18 [William R. Bullock - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZWVSUGdZZ3BfVjdlWEFRX3BhUlJ6S0lqVl9XYUtZeEZDTXpDTE9LNE84VHM4NGxFbGs1NGRGV1dMY0FmNlFlbFJZTDFrRlUtQVk5VE9YTjZRb2x6MzRrSkxGclh3aElwZWZiN2hHRHBDOUdEdWlZQWZCMjA4c19SSzQzeXF0cXBf?oc=5) · The Arkansas Democrat-Gazette
- 2022-03-04 [Berryhill seeks re-election as Yell County District 7 Justice of the Peace - River Valley Now](https://news.google.com/rss/articles/CBMilwJBVV95cUxPX0lVeTlQMHNuVkY1RUlieUpCSWhZWWlQS3pSSkI1bVBIVDVPODNrcnd4UVlVNGRhLVFpRHRNcHFTZDdOV0VYTU00Si1rZWhkN241TDM4YnBYeW4yNmFURGM4cFV3SUJHdGJOLTlWUWxEOXVHdUUxMk5WckdBc2xnaXl1YlZVRWxmS0EwQlVHcGZVNGo2Z0FCbUJmLUZISFFNaklwdkM2WGtvbVBIcllCREZCVjllbmRGQThOUktTNE9QVXV2SDdjYnl4VFJaQU9Ga25OYlhycGxnZnZGWjBEeHVWUkdyUnhiUnRBaURjcmxEeDVGY1l0TWN0cGpZVFVXc1ZCVXVpczJWZE9GNkZfNTQ0MFJyTjQ?oc=5) · River Valley Now
- 2016-11-27 [Yell County sheriff's office seeks 1 in bank-robbery try - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPR3lMUmxoYmxKSVM2R2RYSUNLODlOcGR2bkRtODU3YVlTa3F4SFEyR0hqVkp0b0N6VlhzdXRUa09BUFVzZmI2TGE5ZUg4U3Z4WFBYSVNxSVFvUTkzNUhFbFZwOVNuQXFiTy1oRk5BN0I2YXlHZmdzU19URVlrYmx0NW9pajU2d2VzZ1Fv?oc=5) · Northwest Arkansas Democrat-Gazette
- 2020-02-21 [Atkins Police Officer Killed in Accident - 5newsonline.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPWG9NTEdnQ0QyTUFaekkyOVJSS0k5ZzVneXRsb1Jfdkc2LU1tcEpsRHpuUG1SakJsU3pPVEJ3TUtZamhmd0RFUzJiWHF5aFp3ZkRzV3dhT0tHV2ZzdHZKQkJQdFVCZjFnZXVPUWcxSXVBSkZqWGJrSjk1N2E5SHJQN3I1ZXV5Tkdkb2YzVl81YmtTNVlhNWVkQ0xmM3VHUjBja3VMb21wcXRnSF9BaF9Bd2hrYTcxa3pEc2VBSXpVQ1I3VDEzNEpudlJHbVQ3a01QSUZicTZTcXFlenprV2k4M2FnU3dzUDg?oc=5) · 5newsonline.com
- 2019-06-01 [Conway Regional to manage Dardanelle hospital - Talk Business & Politics](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSll2M1p5OFhmS2p3cktFdHFVRjFXRFhJSjExaF9Xdmd1THEyX2c2cUdoUExNWXlpUTlGTjNiMThzejM3Si15Zzl5S3MtX0t1LVNfdm1LSVd0eWZkc25VYklpdG9iLXdGNWlVTzNoYjZ2Ny0zdFJSdVdhWjM5eEpNQ3E3Y2Vidw?oc=5) · Talk Business &amp; Politics
- 2017-02-12 [Russellvil­le Area Chamber of Commerce banquet - PressReader](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWFgtaGRtOUdCcS1FTnlBeGRGd0NfVnREOGF3X3k1S0RQRGlpMXhFWHdZQ3ZWaXdoTXNyMVJ4Tk1INTNPOW1sNlhsMVV2TVVyd2NKZDVCLUZ2LVpQdG4weVNKMk54UXNWTHdOU282MHktZjgzR0dyc1c4YU8wMmw3bHdUZ2lyVGZZZ3c?oc=5) · PressReader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14749 (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/29.json (key "14749", 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