# BANK OF BEARDEN
BEARDEN, AR · FDIC certificate 16282 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $67.4M | |
| Deposits | $60.8M | |
| Loans and leases | $31.1M | |
| Total equity | $6.6M | |
| Loans / deposits | 50.48% (p20 of band) | 73.59% |
| Liquid assets / assets | 53.75% (p82 of band) | |
| Uninsured deposits / deposits | 53.13% (p98 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.29% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -19.13% (p24 of band) | -6.57% |
| AOCI / equity | -2.97% (p6 of band) | |
| ROA (annualized) | 2.01% (p86 of band) | 1.17% |
| Net interest margin | 4.32% (p69 of band) | 3.93% |
| Efficiency ratio | 50.23% (p14 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $471,000 (1.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | uninsured deposits >50% |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | uninsured deposits >50% |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 2 | deposits shrinking, assets shrinking |  |
| 2020-03 | 0 |  | deposits shrinking, assets shrinking |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 2 | uninsured deposits >50% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | leverage <7% |  |
| 2021-12 | 2 |  | capital falling, leverage <7% |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | leverage <7%, AOCI drag >20% of equity |  |
| 2022-09 | 6 | capital falling, securities losses >30% of equity |  |
| 2022-12 | 3 |  | NIM <2.5%, leverage <7%, capital falling |
| 2023-03 | 4 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | uninsured deposits >50% |
| 2024-03 | 5 | uninsured deposits >50% |  |
| 2024-06 | 4 |  | securities losses >30% of equity |
| 2024-09 | 3 |  | uninsured deposits >50% |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 3 | uninsured deposits leaving |  |
| 2025-06 | 2 |  | uninsured deposits leaving |
| 2025-09 | 3 | uninsured deposits leaving |  |
| 2025-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | uninsured deposits >50%, capital falling |  |

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

- 2026-08-24 [For Two Arkansas Banks, One Branch Is Enough - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxObFZDbTdWaFdmUkdCSGFPclZpaU13dVNHc0FrbU04RlBfS3Y1WHB4VHZhTUxTMjBnQmtfZWJxQmllUEExblRDdG53X09nZkhRM24zSXhVaEp2eE1CajlOMnpuckJtRHdtUFlPdEJ3bHdRREY0UWpyYjJFblpYbFAzbmwyTTJra2FSTnk4bEk0VDlHbkRnbmVrTFRPdXE3TXJZd2l5cg?oc=5) · Arkansas Business
- 2026-01-02 [Rick Green, Anthony Timberlands executive, dies at 75 - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxOOEdiSnZQcFNDak10N0JjSUZEdFdIUmZxLTlacVJNcnhvbm9tWnItNEJIVkZUdDdCY0otenF1YXp6ZmZZeDUtazdJaXlfWU9Qd2xmNU53NVRGQXJBZS1Fc3NSMlhJUFVPWEtSNWFqcUhKdVdNaWlVSGFTckNWUENhMXY0a2F3VUpGZ2NsTmhpQ2NoaXdJWDBjek5vajNaZw?oc=5) · The Arkansas Democrat-Gazette
- 2020-12-04 [Bank of Bearden Scores Satisfactory on CRA Compliance Evaluation - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxNZ2p2TGI5SkJFT0V5dS1nUl9PbEdhQ3QwaUpaVm1NdTF0eGtvOE10SHRPRkUyYWxwemI1b2pZSDl5aUxJNThFNS1ST3VSOEljY3AtMzRnY0Jldm5HMHQ0aEZSbE5nMWVZYkE4TE9udU5XejNQY3BmTWtWcmVVd1Q1UElqa0RpTHFfdkJzc2o5Z0QwQnRtc1hqanJJdjk?oc=5) · Arkansas Money &amp; Politics
- 2026-02-23 [Stone Bank, UAMS, Arkansas Hospitality Association Announce New Hires (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNdnFLT1pJZ2xqVFpMMVg0dzBmb2NZaFdPWFRkWG4wRng1SmhmMDdkbWpWQlo3bFlSd0s1WFhTTzh2a0lFX0NSQnd4UHJ3ZGtfR3NJR2JKMmt5MkVZcGpzUF9LRlItV0ozdElJUmdwbXk4eUd1RXpJR2JKSlYzVldUakhvbGZhU0NiMGQ5QWJVVzNuWGg4RldLZDJlU0JSNENoU3VNV2VSS1ZfTzV2LVdCNGJONVFBUThXdEt3NXdKbzJnUQ?oc=5) · Arkansas Business
- 2026-03-12 [Charlotte Abbott Quarles Obituary Mar 12, 2026 - bentonfuneralhome.net](https://news.google.com/rss/articles/CBMib0FVX3lxTE9aaFhIc2wtYlFSZ2lYcnJsemVWWl92SXRzVTNFbEs0OHdKMTR3SlJReGZHclYtUmxKN0o5UXFNUHBERzQyVUs2QkwxMWdXaEgyNFFRS2lWR3h2YTU0cDZHSkNURWZWRzBMYWZ2SHFpMA?oc=5) · bentonfuneralhome.net
- 2025-01-07 [Bearden couple loses home in structure fire - camdenarknews.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdUpLeWwwT2lsR0U1YVhDY3BSSTljdkF3NFRNMXFfUHR5U1ZNV1JiR2hhOTREN3hMT3I3Ny1LMFNLMTFVQTB0T3BJZktPSTRmRmhFU3puNTZsd000a3hwVUtyN0ZjbGwxNkVwWTJDMlZnZXRDRkVxcGhRaWVhc3VNcGhoMnJRa1hUa3JxcjVqZHozYlVVOEE?oc=5) · camdenarknews.com
- 2016-11-26 [June Bowen Obituary Nov 26, 2016 - bentonfuneralhome.net](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1UdVlxbUtXak0yZU9vZC1yeUVmQ3FveFVZSFh4aHNCZ3B5TUNKYlFHRGdCUjljWWc0TVZqZ05JcTBwaHMxakF5WGw5YkQ5RmEyU2VSdlE4eXZmaWRiTG8xcFNZYVh5UQ?oc=5) · bentonfuneralhome.net
- 2005-10-31 [Jackie McDoniel Obituary (2005) - Camden, AR - Proctor Funeral Home - Camden - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxOY2tBY3dNck9KUC1yUXhXRUJ1YktsdnA1UXNzdUI2RFYyM2sxYnhNZms3QUFZNTdOeTZwRDZYWU9ubkJkeHBkWWRjd3I0eHdNM3RTYmFTQTBBV3lfb2xOZEZOb1lsS3lyeU43OTA4TmRPbTc2cGJmTkxGcF9pdm5XVmUzTks?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16282 (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/26.json (key "16282", 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