# CENTRAL BANK
LITTLE ROCK, AR · FDIC certificate 1756 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $954.6M | |
| Deposits | $743.4M | |
| Loans and leases | $820.9M | |
| Total equity | $87.7M | |
| Loans / deposits | 108.86% (p97 of band) | 82.04% |
| Liquid assets / assets | 13.15% (p12 of band) | |
| Uninsured deposits / deposits | 23.26% (p41 of band) | 25.97% |
| Brokered deposits | 31.04% | |
| Wholesale funding | 43.35% (p99 of band) | |
| FHLB advances / assets | 12.26% | |
| Tier 1 leverage | 9.37% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | -2.57% (p75 of band) | -8.10% |
| AOCI / equity | 0.06% (p83 of band) | |
| ROA (annualized) | 1.09% (p38 of band) | 1.28% |
| Net interest margin | 3.22% (p17 of band) | 3.91% |
| Efficiency ratio | 34.55% (p2 of band) | |
| Noncurrent loans | 4.76% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.59% (p97 of band) | |
| Reserve coverage of noncurrent | 29.80% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 73.83% (p74 of band) | |
| Auto loans | $552,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.6M (3% of equity) (p92 of band) | |
| Deposits YoY | 17.2% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | capital falling, charge-offs p90 |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | wholesale funding >15% |  |
| 2019-06 | 2 | brokered >10% | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | construction >100% equity |  |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 3 |  | construction >100% equity |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | construction >100% equity | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | brokered >10% |
| 2022-03 | 3 | brokered >10% |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | uninsured deposits >50% |  |
| 2022-12 | 5 | run vulnerability |  |
| 2023-03 | 4 |  | run vulnerability |
| 2023-06 | 7 | run vulnerability, noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 5 |  | run vulnerability, reserve under noncurrent |
| 2023-12 | 5 | run vulnerability | noncurrent p90 |
| 2024-03 | 6 | capital falling |  |
| 2024-06 | 5 |  | capital falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | construction >100% equity |
| 2025-03 | 4 | loans exceed deposits, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2025-06 | 5 | capital falling |  |
| 2025-09 | 6 | reserve under noncurrent |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 7 | noncurrent p90, charge-offs p90 | uninsured deposits leaving |
| 2026-06 | 7 |  |  |

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

- 2026-08-26 [Deputies back Milei’s push to reform Central Bank charter - Buenos Aires Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxPQk44QU9SV2JpSkRjb0Z0VGxZOVlsMXBlZlVPQkkxSnk4WGh6dHlSMDVGNWFKUk4tZ2xFbGQ2U25tR29aUVVYV3R3SDhCT1pTVS1XTFloSzlkQ0NiZFZ3bDFIN3BVcW1mbncwc3g2ZXFadDlVZkswUThSQWRNeTNERWxrX2FqZlVDSGFHWnppN1dlWkIyd01QX3huYjlZSmkxLWZoNnZEQdIBrAFBVV95cUxQY3V1MWJVTnViWmpWNl9rV0k3MUlNbU5QOVdudFRNZlk0MUV0TUh0WUFPXzJVTEplN0lnSXQ1ZzdsYmROVDE1X09rdlMxRnd3ZVo2em5hUGt6WkROWDQwZnJuT0tGb2F2RVE2TUhjRHVuVXZ0eWFEQmFXeWhYcHR0Uk1pX2N5Si0zQ2FzSzdmOHdfUjYwc1FacWtPNWt5VEU4WWpCY1hpS0dLSkw1?oc=5) · Buenos Aires Times
- 2026-05-02 [Annual Report 2025 - European Central Bank](https://news.google.com/rss/articles/CBMirgFBVV95cUxOS2c2bW9CM2dFSy1NVFVQNzRELXRwaExNemdWSWlXbnJFNzlXWmpiTG9obHRaRlcweHYtYWtyQnFWel9TUnVUS3UzRDBhemJRR0xDWXZ0NGY4S3ZsT1Q2SEF4WTRyQ0JYdzhEbE85YS1zNVQzd0E4R1NWZXdPNG5kY3U4TkR2enVpNHRYODViOENqQnhldVhoRzc0eVVFcS11TTRqREtVSTFGR1ljbGc?oc=5) · European Central Bank
- 2026-06-30 [European Central Bank defends hike - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSTRjcGFjb1E1am5VMzlJcWNyQS1RMVRWTWp3b28xTW9PWGdmeGdVbVRqYWVXT3p5MVFiZWZuTU9FcDNpT0lsZUc1OWhRb0VVNmVlODZ0M1VnMTRxbFAzcU1qQmNLQmlFU1BxYWFhVFdYUVlta05BWTVpTDBnWjJPMDBMV0ZpOWZqdTlF?oc=5) · The Arkansas Democrat-Gazette
- 2026-07-28 [Singapore growth to hold firm but AI boom a ‘major uncertainty’: central bank - South China Morning Post](https://news.google.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?oc=5) · South China Morning Post
- 2026-04-05 [Central Bank of Nicaragua: 2025 Annual Report - Latina Republic](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVWgybDZkbEZKbWVTdTI0OVB3V0gtblVQRDVHOWRfenRZdi1ueXBZODZiMWc5ZzRPRFJIMll5a0ZkeU95Y3F4aHY2bUVfMjJ1TzViNkp1QTYtUEN3UFpuYWhpUXdhSW9OMXNXemdEaHRodjZ3cVZGNlBWNTd4TXN5TjlNZ244bFVnaTgw?oc=5) · Latina Republic
- 2026-08-22 [Russian central bank strengthens official ruble rates against US dollar, Chinese yuan - وكالة الانباء الاردنية](https://news.google.com/rss/articles/CBMixAFBVV95cUxPdG1DSDM2d2JOSVJVbkFDamNsVzk4U1liUlRNQzIwOU04WkMwS09CM2Q2QktzRWpxZk9uWXBDaG9IV3VtRXNOUWMwMDZkcmI1bGE5RFp3VHdwMFZEMlZlWjJLTUhqeXcxM0RIUWw0eWQ4RTdWRXpBZ0FWR0JwZFByUG5DSWxpdmdnY1ZMOURiaXJvTGNVZzF0TlN0Y3FNRWpqbnQ3NmU0X3lMQzNfNzQyS0xpQzlNTzFWVTFTZWVRTkV5MGJY?oc=5) · وكالة الانباء الاردنية
- 2026-07-20 [Moroccan king receives Bank Al-Maghrib annual report on national economy - atalayar.com](https://news.google.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?oc=5) · atalayar.com
- 2026-06-12 [European Central Bank raises interest rate - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZUVwRnhRNmRPYks4dDJCSkMyYnJienpScVRDM3BsM0hoZm1iNW1xTk9ta3V5dmctWW02VlhTYi1Lc05vR1d6TXUwdWRDYTk0cnc3ZmNJeUVJR1ZwR0FrdmoyUFFBbjV3RGxvU29hcGZUN3BncnlYUDJIdmVSQkFtMzdHUURUelZObGMybjNHeGRGTHpnWXc?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1756 (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/28.json (key "1756", 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