# ARMOR BANK
FORREST CITY, AR · FDIC certificate 28812 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $516.9M | |
| Deposits | $460.5M | |
| Loans and leases | $395.0M | |
| Total equity | $43.7M | |
| Loans / deposits | 84.71% (p58 of band) | 82.04% |
| Liquid assets / assets | 16.32% (p20 of band) | |
| Uninsured deposits / deposits | 19.71% (p28 of band) | 25.97% |
| Brokered deposits | 3.50% | |
| Wholesale funding | 5.43% (p60 of band) | |
| FHLB advances / assets | 1.93% | |
| Tier 1 leverage | 9.40% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -16.07% (p29 of band) | -8.10% |
| AOCI / equity | -0.70% (p33 of band) | |
| ROA (annualized) | 0.88% (p26 of band) | 1.28% |
| Net interest margin | 4.04% (p57 of band) | 3.91% |
| Efficiency ratio | 70.71% (p75 of band) | |
| Noncurrent loans | 0.41% (p49 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 307.24% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 64.39% (p67 of band) | |
| Auto loans | $1.3M (0.34% of loans; DQ 0.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 4 | expense ratio p90 |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 3 |  | expense ratio p90, capital falling |
| 2012-06 | 4 | expense ratio p90 |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | noncurrent p90 |  |
| 2013-03 | 6 | capital falling |  |
| 2013-06 | 3 |  | securities losses >30% of equity, noncurrent p90, capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2015-12 | 5 |  |  |
| 2016-03 | 6 | capital falling |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 5 | leverage <7%, reserve under noncurrent |  |
| 2017-03 | 3 |  | capital falling, leverage <7% |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | capital falling | losing money |
| 2018-03 | 2 |  | expense ratio p90 |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | losing money, charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, expense ratio p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | expense ratio p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | expense ratio p90 |  |
| 2023-03 | 1 |  | capital falling, AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 2 | expense ratio p90 |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 2 | securities losses >30% of equity | capital falling |
| 2024-06 | 1 |  | securities losses >30% of equity |
| 2024-09 | 2 | uninsured deposits leaving |  |
| 2024-12 | 1 |  | expense ratio p90 |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | uninsured deposits leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-10 [Demolition underway for planned Armor Bank on College Avenue - Fayetteville Flyer](https://news.google.com/rss/articles/CBMipAFBVV95cUxONDVwTmhsZnBsejJPZjh1SHVYZElLckNFOUVqRFc0bkhQZ0ViTXppNXM3WjNQN1Raci1zNG5YSDZ0Wld5dE10NW9wWlk2a3RDcUZuQzkxa0I4dzBXWWR3dTNTSU5fbHdsV0w2NnZpTlJmY2M1NExhVGp6ZTg4SXRJNGF3NkpCUzdKcko0MkZXWDZwWV93RVJKU2Q4SXR4R0VrN21veg?oc=5) · Fayetteville Flyer
- 2026-04-13 [Armor Bank Buys Property for New Northwest Arkansas Branch - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQUFqQ1hXejRwV1ZudGVuTnJhSVVpNXBGTHNOM1pDZnE3SHdMMm1vMFZBaGhWZE9Jd3BEQlRaOTBtT0pnN0RRTHJMcGQ4dUM2OGtjbEMyYXlGcE11MVdqSlYxMkVzeFpCbXNDczNFaDh2VEhOYzhwTkR0aGJ3d3lXV2c1M3RNM0F2emtmX2VNZlV3SkRfQUpQbTU4OW11SmJocjNZak53?oc=5) · Arkansas Business
- 2026-02-23 [Plan for Armor Bank on College Avenue gets commission approval - Fayetteville Flyer](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVGhxYS16dTJvdmpXbmRaVmN3NUNRODhNN3pPaEszYlZ3eTJLczB1b2hSdlJleU4tY1VzaUtSUWhYWU4wYy1KNndDalBpSmVzcldfUEtsTG9VS1hfRlBLS25oNmZIeTlaT1ZnU2tiUHlheWxkbGJLdzJNblpsb05aUHVkUlpMR2NVNkdtTFpmVVZpRUh6aEVxUm5SNXMyR2dpbU10V012aw?oc=5) · Fayetteville Flyer
- 2026-07-06 [Fayetteville Dining Fixture Makes Way for New Bank Branch - Arkansas Business](https://news.google.com/rss/articles/CBMinwFBVV95cUxQXzhQNW9nQzl4WHk5dVZGUW1STTdRN1BHOTVZRzFvdWNqRVBZcVBKVlBRNlNMc0lUV1p0Ym40cDR0TjlGYjdfMnBHaVQ4VTI2cXN6Y1NSVkhsYjlTbG9xN1lJZlM5cUhhWEwzTUsyc01nMnJBYjUxUTZQT2d6a0ZDdEt2cW1NbC1NTDVNTGJodEE1cURoWGctdm1rV0dvc1k?oc=5) · Arkansas Business
- 2023-05-08 [Armor Bank hires Andrew Brink to lead Rogers market - Talk Business & Politics](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMG5ialZNOXZJSGRRMlRpVlBlZ09rU3B2T283dzM2cUNCcmRvTUlQSFRSQl94VEg3SGxORi1Pd1Z4Uk05VXNXWWotcldFOEEyMkVwX185UndEY2M5MHlRVGoxR0V1Vm9mUVNvT28wNlpLR2dNU19zMHpVbE52dWpsYWFWai0tRHI4cWFHM0hB?oc=5) · Talk Business &amp; Politics
- 2019-04-22 [Armor Bank to Acquire First Delta Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMidkFVX3lxTFB3bkxTeVZQa2ExeWNaanFxMGV0dGR0elBCUTdEMU9Cb05URVAyeW1jUHY5X3N4THJodEdRMFIzaEtFR0YwSDc3Ni1fVUhjX3RHbzNGT3QwWFVlYkc1VTNIX3hyS3ZhSFl5akhFb3pyQndLOVdWQWc?oc=5) · Arkansas Money &amp; Politics
- 2025-07-07 [Goad joins Armor Bank as vice president - Jonesboro Right Now](https://news.google.com/rss/articles/CBMiigFBVV95cUxPTEc1bEhNS3hmbkNWNFhGTEc0QXBsdndZTmN0NHFPalVzUWVYb0lMRmNpSUZfdUtxcENrRWlIWXl0UVhjaF9KUUh3NHhjMDVJR3BadjBla0FRSWE2OTNIZElCdktrNG5pTHk5STBPSC0zMS1Pcmw1RUdoOThIbUlFQVJiajlqQjFjMnc?oc=5) · Jonesboro Right Now
- 2022-10-12 [Greg Gibson announced as new Armor Bank Market President - KATV](https://news.google.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?oc=5) · KATV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28812 (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/12.json (key "28812", 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