# BANK OF LAKE VILLAGE
LAKE VILLAGE, AR · FDIC certificate 15547 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $90.6M | |
| Deposits | $71.1M | |
| Loans and leases | $63.0M | |
| Total equity | $13.5M | |
| Loans / deposits | 84.32% (p69 of band) | 73.59% |
| Liquid assets / assets | 28.10% (p39 of band) | |
| Uninsured deposits / deposits | 25.67% (p70 of band) | 19.81% |
| Brokered deposits | 0.94% | |
| Wholesale funding | 7.24% (p79 of band) | |
| FHLB advances / assets | 6.29% | |
| Tier 1 leverage | 16.10% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -9.28% (p42 of band) | -6.57% |
| AOCI / equity | -0.81% (p32 of band) | |
| ROA (annualized) | 1.56% (p71 of band) | 1.17% |
| Net interest margin | 5.17% (p93 of band) | 3.93% |
| Efficiency ratio | 57.54% (p29 of band) | |
| Noncurrent loans | 1.00% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.13% (p89 of band) | |
| Reserve coverage of noncurrent | 475.32% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 30.61% (p64 of band) | |
| Auto loans | $623,000 (0.99% of loans; DQ 1.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 1 |  | noncurrent p90, capital falling |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | noncurrent p90 |
| 2016-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2017-03 | 1 | expense ratio p90 | capital falling, charge-offs p90 |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 2 | capital falling, reserve under noncurrent |  |
| 2018-12 | 2 | noncurrent p90 | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | assets shrinking | noncurrent p90 |
| 2019-12 | 1 | deposits shrinking | reserve under noncurrent, assets shrinking |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 0 |  | AOCI drag >20% of equity, charge-offs p90, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | wholesale funding >15%, securities losses >30% of equity |  |
| 2023-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15%, securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 1 | assets shrinking |  |
| 2024-09 | 3 | wholesale funding >15%, capital falling, deposits shrinking | assets shrinking |
| 2024-12 | 0 |  | wholesale funding >15%, capital falling, deposits shrinking |
| 2025-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 1 | deposits shrinking | assets shrinking |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 0 |  |  |

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

- 2023-10-03 [David F. Gillison Jr - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUi1wc0VCQkNmenlrbUZsY3pxQUk0R1E2OTNQclozZ0JwVTFJb0g5cHVBOGx2UkJjR2ROdmxNTUVXNGVVMU5lTFp5SGU2ai15ZC1fUUZ2dFVRTmZRWm5MdVkySTdET3FTWDRtOHFaQ3pOSWlZQVp6MzZPWG0yaE52QzR6S3F6VnVHZFc0?oc=5) · The Arkansas Democrat-Gazette
- 2026-04-10 [Alvin Ford Jr. Obituary (2026) - Lake Village, AR - Bishop-King Funeral Home - Lake Village - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBWTGFySGczZWhWdFpNU3ZlWFY1SWtVTXZpUkxaYjBreDZ0Zms3M3FNMFVyb0dJSXJOSWtmRVRCQUZQVVRPRjEwVVRVOEJoWW9MTklaSWNJMUNKVFlHV1gyaEJ2QUd5NzNTZzAxTUphcnlvM0RIcUFzc0xSVVNuQQ?oc=5) · legacy.com
- 2017-03-01 [Sam Angel, SCGA 2017 Ginner of the Year - Farm Progress](https://news.google.com/rss/articles/CBMif0FVX3lxTE9kcUtpYXh4RGNJUnk2ek42YzhuV0hSblJmQnhVOER5bV9jZkRrOU43TGtPSGpLN0RRMHY3Q1dMTDVnUjFMUzJSbmJ3MkFwUlk0Xy1FYkpWVVRmdDlDTkJOSFF6Q1kyZGctdTRpOExDQ1lWTG1tWm1QSWZhQnVIN0U?oc=5) · Farm Progress
- 2020-04-09 [Joseph "Joe" John Pieroni Obituary | Bishop-King Funeral Home | Lake Village, AR - Tribute Archive](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQjlOWlgwSHVNQVdoM21zVmtiRVVJMFlOT0RRRDRHUFd6a1FiWHRXczFhZ0FSOXZsVXc1Y0dVUUZDSUdSbWJSTUpaQi1ad0E4YTlaVFRMSkx0Q09NRXRRYmVFTVFZdGstcGFBTTVLZnBpbUZocTdjaDE3OWs4a0lPdHM5cXFEeTg?oc=5) · Tribute Archive
- 2022-08-17 [Sam Epstein Angel - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigAFBVV95cUxPU1FrRm9WSkpJc04ybDZVRG0zMDgzcW05U0M5U2Zxc3pYWkpBV0dxeHhJTEo4SDRhaXBZbG9uZ1R3cXBZQktmc0xnc1F1MlJFT0Y2OVRTZmR0aHc2TWpOWmpib2w4elBSV1o4bEk0UlNQbjZIX1JMcXE1OU5wc2Z4QQ?oc=5) · The Arkansas Democrat-Gazette
- 2025-07-16 [Marvin Dale Loyd Obituary (2025) - Lake Village, AR - Bishop-King Funeral Home - Lake Village - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9lOGZFUlBadzFfT0ltSlpKVlp4VW9uOV8wQ21Jc1FMOW5aYjRiRE5hMXV1aVhNNnlJdW5xSWsxb1VVOGZSS0M1VTVRMF9nd2kwTUxVelVtXzR0MV90VWF6VVZjaUo3WF9VTktUMjZwV1R0STlVNmNYYzJJdEhEZzA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15547 (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/59.json (key "15547", 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