# NATIONAL BK AR N LITTLE ROCK
NORTH LITTLE ROC, AR · FDIC certificate 23331 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $183.3M | |
| Deposits | $156.6M | |
| Loans and leases | $94.6M | |
| Total equity | $14.8M | |
| Loans / deposits | 59.23% (p32 of band) | 69.26% |
| Liquid assets / assets | 41.61% (p64 of band) | |
| Uninsured deposits / deposits | 5.37% (p17 of band) | 11.87% |
| Brokered deposits | 5.54% | |
| Wholesale funding | 11.29% (p87 of band) | |
| FHLB advances / assets | 5.46% | |
| Tier 1 leverage | 8.16% (p11 of band) | 10.33% |
| Unrealized securities loss / equity | -10.66% (p9 of band) | -0.53% |
| AOCI / equity | -9.08% (p19 of band) | |
| ROA (annualized) | -0.18% (p7 of band) | 0.77% |
| Net interest margin | 2.86% (p15 of band) | 3.62% |
| Efficiency ratio | 102.67% (p93 of band) | |
| Noncurrent loans | 4.35% (p88 of band) | 1.08% |
| Net charge-offs (annualized) | -0.02% (p9 of band) | |
| Reserve coverage of noncurrent | 43.79% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 91.32% (p94 of band) | |
| Auto loans | $395,000 (0.42% of loans; DQ 4.81%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 | noncurrent p90 | wholesale funding >15%, construction >100% equity |
| 2011-09 | 5 | capital falling, losing money, construction >100% equity |  |
| 2011-12 | 4 |  | capital falling |
| 2012-03 | 3 |  | losing money |
| 2012-06 | 1 |  | noncurrent p90, construction >100% equity |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | losing money |  |
| 2013-09 | 4 | capital falling, expense ratio p90 |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23331 (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/35.json (key "23331", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide