# BANK OF FAYETTEVILLE
FAYETTEVILLE, AR · FDIC certificate 26975 · asset band $300M-1B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $344.8M | |
| Deposits | $300.9M | |
| Loans and leases | $235.2M | |
| Total equity | $40.5M | |
| Loans / deposits | 77.24% (p40 of band) | 82.48% |
| Liquid assets / assets | 26.36% (p52 of band) | |
| Uninsured deposits / deposits | 14.01% (p26 of band) | 19.89% |
| Brokered deposits | 0.19% | |
| Wholesale funding | 0.32% (p15 of band) | |
| FHLB advances / assets | 0.12% | |
| Tier 1 leverage | 10.46% (p57 of band) | 10.12% |
| Unrealized securities loss / equity | 1.44% (p55 of band) | 1.17% |
| AOCI / equity | 0.34% (p71 of band) | |
| ROA (annualized) | 0.33% (p7 of band) | 0.92% |
| Net interest margin | 3.70% (p58 of band) | 3.59% |
| Efficiency ratio | 88.25% (p93 of band) | |
| Noncurrent loans | 0.74% (p49 of band) | 0.75% |
| Net charge-offs (annualized) | -0.01% (p16 of band) | |
| Reserve coverage of noncurrent | 164.39% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 64.36% (p75 of band) | |
| Auto loans | $708,000 (0.30% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 108 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 3 | losing money | wholesale funding >15% |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | expense ratio p90 |  |

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

- 2026-07-02 [Brent Morgan to lead Central Arkansas region for Farmers & Merchants Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQUN2RkU3dDB5eXRrLTg3MTk2Q3ZpaWlzbWxhMVY1OWdrZWdqMGxReGNFZEtHbUtiSllieGtvMncxSXR4UUxiNVhPQ0lFZWdFQ05vMm15aTZXdnV4c0FNLWQwRmVaMkprOGNmb2JLYTc1TmY5UjVCUnN5WGJWTlJ2SmpZVVhwZEV4RFJjZ1hXbG5pakhSUC1Ub3B6V0FQUDI1SWNOeHUzdnU?oc=5) · Talk Business & Politics
- 2026-07-02 [Brent Morgan Appointed Central Arkansas President at Farmers & Merchants Bank - Arkansas Business](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMmsyZFFXWms1NmZSTFVfdGFuN2tNelUzWU9rNF9WcWRpMzBKTjVUdXdxSUE0d0FkQm8zc0dPdXotTEx6VFUwaHgtYmNjTEJSbW5uODFwbzhYWjNjc1Z4MkVZQ2dHSTVyNktyenptNVF6RFUtYVNmSmcwZEZEQV9VTl84WnduaFhjNFZaeDVkUXNlSkNzX0RWZ1QycnRZVFRJM3hFQ0RFaw?oc=5) · Arkansas Business
- 2026-01-28 [Farmers & Merchants Bank, Bank of Fayetteville promote Gauthier, Jackson and Krisell as area leaders - Stuttgart Daily Leader](https://news.google.com/rss/articles/CBMizwFBVV95cUxPbGZ3VF9Jd1o0akVuamNmSDNjdVFUTFdWQzBaZGJTZXphVmJmMnNzdUZ1QWxfMHRUWFU0ZzF0MEpES3lNR2I4Mkp6OGZQdE1sYlRLdnhaaTVfREx5MGk3WFpUbUxydDNOU2NnXzhaaFJORkZoNXpCUjZkVUtfOFItSDA4dnNYdG9CdFJFOG8wNEFRNllLcXBlckZab3VyWEFQeHhJcG5KNnJURTJBTDM0OC1SNC01SVhZMzJrNGdmR1lkRzZWN05vRk1BY0wyU0E?oc=5) · Stuttgart Daily Leader
- 2026-01-23 [Farmers & Merchants Bank, Bank of Fayetteville promotes 3 leaders to directors - Talk Business & Politics](https://news.google.com/rss/articles/CBMirgFBVV95cUxNeVh3Qk04UHowWk1qZ2RoWWtSNV90WWwyRm5fRFhOWGpiNW1uejBFajh3TENZTFdUUTFHV2VEdjRZem1ibkFlT1Y0VFpNYUJ6bDdSVHVCNmF0TUVPZmdlX3ZyQXgyV3BXMkl6YWswYlpLX3o3V1dOVDJLbGppQkV5MVJSVUp0T3VTZldUVjA5OFJsNG9PRnFhTC1pNWNBRzBGOWNLTWNPRVFERFBuaFE?oc=5) · Talk Business & Politics
- 2026-04-27 [White River Bancshares Raises $25M to Fund Signature Bank Growth - Arkansas Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSk0zcTRwVW5vOGtrQUZvMDE0ZzdRSUJsNXRCQjhQQ0k1S01MOWdtZFVfSXpzWlh4cUlfWGJQdTYtTVFXWDRTNlpwVFF6bFlETzEtOC1RQVBzeGZLVHF4MGNSTGpLN29ScXR5cnEyaUh3aFdlWlZwSlpKTWJZNjExcXNrNDBlRF8wWl9kRUZPclNYYV9YdGthZmg3cktJdTB3dGtIMXlYLUc?oc=5) · Arkansas Business
- 2025-11-06 [Scoop: Arvest Bank names new president and CEO - Axios](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUk1iS2lLOXFfVExfTXJkVXF1ekRBOXVtTjJVWExpbkVJLUZBLXM0bWZ3am1ySER0R1F1MjVQMnZ6NU5ybnN1d1BueldrM0RuOXdpeUFtaU5DVDZ0WGVTUTN5a2ctZ2l0N1NJdkZQbFZuZ1EwZER5RXJZQWwxRk0yM1hLb2lPT3JQWjRV?oc=5) · Axios
- 2024-04-09 [Bank of Fayetteville Appoints Mazzanti as Trust Officer - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiakFVX3lxTE82VkRSN3VZdy1rMGFUTzZJcW83WHFrdlFDUUR1bHdtdVY4LTBSLUhNODFvMmpySkp0TUJMUDl6QmxpX1Zna0tPTzZta256M2lsbFdtVGo4b1p4NzlFbHJpNXFXOHgyN0pxb1E?oc=5) · Arkansas Money & Politics
- 2026-02-16 [Farmers & Merchants Bank, Harps Food Stores, Conway Corp Announce Promotions (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZWVtOEliSGdZUHJ5clBJZUhLUkRDVkVkSndnZVFZSWU3SGhGcEoxVFBPbVZ6UThzT1RnWnpFOUdHdnltS3I4Q2hPVktaaUxNMkVrMG4xcU5XN081ZHJtR0dka0t0aHlfZ3R1M0FqRUdWV2g2bGZYVU5BalEzS2FvUmFMUzJBY091dnFhajdMMy1ob19TeFBMQnZvVEVSYUZsdTBVTHdXRjQwekZacDRqeUlLc2pEWUdqbzh5WEpnSGQzUVFvTFIyRg?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26975 (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/31.json (key "26975", 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