# PARTNERS BANK
HELENA, AR · FDIC certificate 15729 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $417.1M | |
| Deposits | $354.0M | |
| Loans and leases | $369.2M | |
| Total equity | $55.3M | |
| Loans / deposits | 102.39% (p92 of band) | 82.04% |
| Liquid assets / assets | 9.98% (p4 of band) | |
| Uninsured deposits / deposits | 29.20% (p63 of band) | 25.97% |
| Brokered deposits | 0.22% | |
| Wholesale funding | 1.41% (p37 of band) | |
| FHLB advances / assets | 1.20% | |
| Tier 1 leverage | 13.73% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -2.15% (p78 of band) | -8.10% |
| AOCI / equity | -0.52% (p41 of band) | |
| ROA (annualized) | 1.04% (p34 of band) | 1.28% |
| Net interest margin | 4.45% (p80 of band) | 3.91% |
| Efficiency ratio | 65.43% (p62 of band) | |
| Noncurrent loans | 0.93% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.34% (p95 of band) | |
| Reserve coverage of noncurrent | 195.24% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 65.57% (p68 of band) | |
| Auto loans | $125,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 2 | deposits shrinking, assets shrinking |  |
| 2015-06 | 0 |  | deposits shrinking, assets shrinking |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 2 | assets shrinking |  |
| 2016-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2017-03 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2017-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 2 | capital falling, expense ratio p90 |  |
| 2018-06 | 0 |  | capital falling, expense ratio p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 2 |  | uninsured deposits leaving |
| 2019-06 | 2 | capital falling, expense ratio p90 | deposits shrinking, assets shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | expense ratio p90 |
| 2020-03 | 2 | expense ratio p90 |  |
| 2020-06 | 2 | wholesale funding >15% | expense ratio p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 | brokered >10% | wholesale funding >15% |
| 2021-03 | 1 | expense ratio p90 | brokered >10% |
| 2021-06 | 0 |  | expense ratio p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 1 | construction >100% equity | uninsured deposits leaving |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 2 | wholesale funding >15%, construction >100% equity |  |
| 2023-06 | 5 | loans exceed deposits, liquid assets <10%, deposits shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2023-09 | 4 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 2 |  | liquid assets <10%, wholesale funding >15% |
| 2024-03 | 1 | brokered >10% | construction >100% equity, loans exceed deposits |
| 2024-06 | 4 | loans exceed deposits, wholesale funding >15%, construction >100% equity |  |
| 2024-09 | 4 | liquid assets <10% | brokered >10% |
| 2024-12 | 2 |  | wholesale funding >15%, liquid assets <10% |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | wholesale funding >15%, deposits shrinking | construction >100% equity |
| 2025-09 | 2 | capital falling | wholesale funding >15%, deposits shrinking |
| 2025-12 | 1 | assets shrinking | loans exceed deposits, capital falling |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 3 | loans exceed deposits, liquid assets <10% | assets shrinking |

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

- 2026-08-01 [Matt Reddin named EVP, chief development officer of Partners Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMinwFBVV95cUxOR1NJRjhmbXRNTTR4WHNzaGtKY1lRaUxUR3lnMm1HaHVCY0d1RWtSd1dJOEg0cnUxbEh0amlOcU5zN3RIZnpXRGgwYlVqYWJPc3FJWWF0MEFEY1VISk1uRExobXBibFRiaEVEY05OQkdXcng4azM1OTFQRUVWcEJUWUtHR1h5YVhOMlRTRnN0endPYWItUUZ6aHBrZVIxN0k?oc=5) · Talk Business &amp; Politics
- 2026-01-07 [Bank OZK offloads $265M loan tied to vacant SoCal life sciences campus - The Real Deal](https://news.google.com/rss/articles/CBMinAFBVV95cUxPVjJrQmFHaTAta2VRV0VIdEF5c3c5MGF0eGRKVUF4TjAzR1E0SG9EU05BNExuYmNFZWxxZTBxOUhpa3ZMSEhXcDRsbFN1dUNMYnJBSFp2bGlGREt5OWtIWVFjRGExWlZjX1FwUFBIMTZ1X0hpekhocUNXZjMzek4xRjRSU2k1aWpjUjBacnZNUHY0SXJHbEtEbVhzSTE?oc=5) · The Real Deal
- 2024-01-22 [Partners Bank CEO Vance St. Columbia on Investing in Underserved Communities - Arkansas Business](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPZzB3Y05vd3c1MGtlaXdyUG9qak5MUVlacTUxdDkyRHVlVmdQSUlSMlJVaHVEODRqX05LRXNLdW43OWNGZFdxVi1HRWt4aEdfc2ZHRm1fMGlydUI3cW5DVHVPdFlGNHNiejkzVzh4NHZPYWxhWFVGazlwUWZwX0V0dldVa3JIdHp5eDBueFZxd24zazNKaUxacUlzZXp2R2k2SGs3ZFFkOWl4Nkh2TnBkem4wSm9GWGk2?oc=5) · Arkansas Business
- 2020-07-24 [East Arkansas lender set to enter Northwest Arkansas market - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUGIxcmh6eldOZU1ZWWt3VFgtbDhxamRPeDRZS2V6UXh2cGdWejU1M1N6WFU2akNEN3dqYUZsNjd0VGNaRFZ0VWNpckVvRkRYUnJrcmxnYW1YcFVHT3psY3RRUGFEUlpucnhnaGJzRVZRbEVtdFVZRURobFV2WURJRWV4ZEZCRk1kNGlIVGZwdE5qREhxNV95Zg?oc=5) · Talk Business &amp; Politics
- 2022-10-15 [SEARK makes $1.9 million payment toward project - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdW5oZ0pqaHBUSndCaGhBSEY1UDJiWS1OSFBtdTIwc2pNOVBJc2o0Z3E0b0RyNHlUWTdGM3FEWVpBcWJtVGVmLWRsay1yU3JSTi1sY1htMlRMUGdsbVZWY1l6YmpwQmlta082MFUyTFh1ZHVOcG5pWDkxbE1yQWlxZVdkRlFfT0pWVGROd2RsQ3lSckZEMXo5alJR?oc=5) · The Arkansas Democrat-Gazette
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2018-12-03 [Partners Bank Picked as New Name for HNB - Arkansas Business](https://news.google.com/rss/articles/CBMidkFVX3lxTE1scHE2TjdmWHNkSUZOMDcyQjhRVWpqVVBRM3NTMDFhSjQyOGFFQV9KeUEtbVlXOWd3c3FESF9MM2otS3FsVGtnSHMtSm43VVZrOC1mVU1rUHYzaDdmbVBuaWlyVE83TE5lbE50Qk8wMGhHTjIxVEE?oc=5) · Arkansas Business
- 2025-09-11 [Masonic Temple venue owners sued for $1.5 million; TempleLive closing shutters historic Fort Smith building - River Valley Democrat-Gazette](https://news.google.com/rss/articles/CBMirAFBVV95cUxQSHZWMEZlaUZTb0JjUEhDUU1uenRYU1JMLXd3em9rWk8zb2h2RUUzZklzY29KQmlVTjhpalctUHhneThzOWxUcjVSQk5qYWNOQ3ZtYURBbnN3WVFQMTBkNjEtSXpJODlCM2FIQ0V0VU1sZVZncHI5eHZmN2hqRktnbHdTVEZ5bnFLN0J6dW84THJyNkVEcXQya0h2Mll5d3ZXSVVfTGpicXZwUldO?oc=5) · River Valley Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15729 (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/49.json (key "15729", 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