# BANK OF MCCRORY
MCCRORY, AR · FDIC certificate 1523 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**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 | $78.9M | |
| Deposits | $69.9M | |
| Loans and leases | $25.8M | |
| Total equity | $8.9M | |
| Loans / deposits | 36.62% (p7 of band) | 76.19% |
| Liquid assets / assets | 65.45% (p93 of band) | |
| Uninsured deposits / deposits | 31.39% (p92 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.09% (p51 of band) | 11.02% |
| Unrealized securities loss / equity | 1.65% (p83 of band) | 0.02% |
| AOCI / equity | 3.47% (p88 of band) | |
| ROA (annualized) | 0.94% (p53 of band) | 0.90% |
| Net interest margin | 2.54% (p6 of band) | 3.71% |
| Efficiency ratio | 66.96% (p40 of band) | |
| Noncurrent loans | 7.35% (p99 of band) | 0.62% |
| Net charge-offs (annualized) | 0.45% (p96 of band) | |
| Reserve coverage of noncurrent | 7.98% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $495,000 (1.92% of loans; DQ 7.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 3 | capital falling, NIM <2.5% | noncurrent p90 |
| 2012-06 | 1 |  | capital falling, NIM <2.5% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | NIM <2.5% |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | NIM <2.5% |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | NIM <2.5% |
| 2014-12 | 3 | capital falling, NIM <2.5% |  |
| 2015-03 | 2 | noncurrent p90 | capital falling, NIM <2.5% |
| 2015-06 | 2 |  |  |
| 2015-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 |  | uninsured deposits leaving |
| 2016-03 | 6 | NIM <2.5%, uninsured deposits leaving |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 3 |  | assets shrinking, NIM <2.5%, uninsured deposits leaving |
| 2016-12 | 4 | capital falling, NIM <2.5% | deposits shrinking |
| 2017-03 | 3 | charge-offs p90 | capital falling, NIM <2.5% |
| 2017-06 | 4 | NIM <2.5% |  |
| 2017-09 | 3 |  | NIM <2.5% |

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

- 2026-06-01 [First Financial Bank CEO Sean Williams on What Makes a Good Poultry Loan - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcXBvWlRzaWN6WVhSMHFoNWRCa2dXV1Y3YWdFeE1XNU4zSUFFeGl5UGF1cWZUNXBNQ0FtekVtYjVYWmtqUTBhMHlLZmtrVVJRcFUxNGxydTNncmJfakhITUdmZFdNaGotckphVEJuNFlGdG5zQ0tZd0dqUE4xZWtnZjFFRlRmaEZXMUdONkpLcnFsS0lfSzg2TVc1QmwwUGhtcXB1dmlXTWxvYUVG?oc=5) · Arkansas Business
- 2016-03-06 [Ian Arnof - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigAFBVV95cUxQV28yQnA4Q2VZUzdvV04tdGNPejlSWFdxSTlrb1VTVWJxU0VYM2ZwcnhMU0dRS1l4QXZZNmdaaDRfNDdzd2hjbGVpNXB5UkdkRXAwWWNtQjc0Q09qbEplaFpVUGpaa1FhSWlPcXlQc2oyc25TU1RySjBoSzhKeXpUTA?oc=5) · The Arkansas Democrat-Gazette
- 2017-07-17 [First National of Wynne to Acquire Bank of McCrory - Arkansas Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSDNXNHMzaXF0dEdLNk84QzZEVmc5bVU0TXRxM08wSVJhbE9zMUpETXlUUzZiaUExUVFHWTBScnc4MFZyejlqczBvTDhXcVZtck1qTHBGenR3NlFQcU91dGZEZnpuSks5dG1FTDZaX3lEbVA4c29LaERjblVyTmtYZ1NSal9tcnFVTEtoSHhrVTVBRjdlSkZ3?oc=5) · Arkansas Business
- 2016-02-27 [Ian Arnof Obituary - Pacific Grove, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVm1tMElNa1RIakhaZE0xT256NVYwME9QVHdFU1gzXzZpRG1QUDVrUFZnaGdtQmdDeXJJbWJpN2NUSGVtM2JTZHRPbVF2Y0M4c1lrUmZvU3Fva3pHci1WX0d2QThVTEtOUzAtYVROZlE1aGZsZjdxWWNSMy1wVUNTVkc1VQ?oc=5) · Dignity Memorial
- 2017-10-04 [Arvest's deposits at $8.5B in state - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNN0pKMHJMQmxPYTJTSmM5dTBsN2RISVB6czB2QWpPanhtb0JIckdJYmJCR2NiSHZWdTZhTWRoNDdOMEpDMkV3M3RTSHllT095dlRMRWxBeFc3Tzc5M0Qxa3RvM2c1U1UxU2hXQnRhcFR4RVMwajRpajZ1QU9XLXBLR0xjbEIzSjd2UzFz?oc=5) · Northwest Arkansas Democrat-Gazette
- 2009-01-17 [Catholics gathered for 26 years before building a church - Arkansas Catholic](https://news.google.com/rss/articles/CBMinwFBVV95cUxPeXRHTm1EeFc1V0dKQVBON3R4MmFVa3NVTjY0ajA0U0VZTEFfZ3JnaE1JdHNuYnlaaUNqeVdVUFRNUzVDX0NjVUI5c1VOQ2FQeFhVTHVSUUVJY1BITWZ4endyMUl5ZHFpTlowQnBIUVlSRGI0MjJtMWtMME1Hc1ota0VzYjNWYXhfY0lWbzhWQUdXNGVGa3JIRURrYzQxcmM?oc=5) · Arkansas Catholic
- 2020-04-22 [Craig Alfred Cain - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiggFBVV95cUxQV2dEMS0tQUlsVVZKY25fQlU2Z09HUWQxbEVqa3VoVWNKUHMtN3Nqb1ZWYnl0Q1pIc0lqX0cwNThhcHJkQTRiNk51WllWOUVmY3ViaDRDWWxoNlhvd3VTVGg1LWhxSlJESmNEd2ZpMjFKX2NlQ05xUDVhTzhRMG9tN1pR?oc=5) · The Arkansas Democrat-Gazette
- 2013-03-31 [Woman’s heart beats for her hometown of McCrory - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUmNHVGRYYWpMb1pSaTJUQ2poTXJuT3BNNzlRUFh3MWtMTUhjYS1tMmF1bXBIUTdYRUN3OTdaWDAzTEo1SzdBUTBXQWpVVHl2U09QTVJndUlaOXpSM0YyYUR4YnpwWTd5VjdkcG1wM09MTEs3UC1Oc1g3dDVPUmdZMzB0ajRsSUN1SjZEYXJtenR6Zw?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1523 (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/51.json (key "1523", 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