# TODAYS BANK
HUNTSVILLE, AR · FDIC certificate 33470 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $351.0M | |
| Deposits | $294.6M | |
| Loans and leases | $246.9M | |
| Total equity | $27.4M | |
| Loans / deposits | 82.79% (p52 of band) | 82.04% |
| Liquid assets / assets | 25.32% (p51 of band) | |
| Uninsured deposits / deposits | 14.40% (p12 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.55% (p66 of band) | |
| FHLB advances / assets | 6.55% | |
| Tier 1 leverage | 9.54% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -24.71% (p16 of band) | -8.10% |
| AOCI / equity | -2.25% (p6 of band) | |
| ROA (annualized) | 0.75% (p19 of band) | 1.28% |
| Net interest margin | 3.86% (p47 of band) | 3.91% |
| Efficiency ratio | 78.62% (p87 of band) | |
| Noncurrent loans | 0.74% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 165.37% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 116.38% (p91 of band) | |
| Auto loans | $1.8M (0.75% of loans; DQ 7.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | noncurrent p90 |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 3 | capital falling, noncurrent p90 |  |
| 2016-03 | 2 |  | noncurrent p90 |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | capital falling | noncurrent p90 |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 2 | construction >100% equity |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 0 |  | construction >100% equity |
| 2019-12 | 1 | construction >100% equity |  |
| 2020-03 | 0 |  | construction >100% equity |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | uninsured deposits leaving | capital falling |
| 2021-03 | 0 |  | uninsured deposits leaving |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | capital falling, construction >100% equity |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 4 |  | noncurrent p90 |
| 2023-03 | 3 | expense ratio p90 | AOCI drag >20% of equity, reserve under noncurrent |
| 2023-06 | 3 | capital falling | expense ratio p90 |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 5 | capital falling, expense ratio p90 |  |
| 2024-06 | 3 |  | capital falling, expense ratio p90 |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 5 | capital falling, securities losses >30% of equity, charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2025-03 | 3 |  | capital falling, charge-offs p90 |
| 2025-06 | 2 |  | reserve under noncurrent |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2023-09-26 [Today's Bank, First Community Bank planning strategic branch expansions in Northwest Arkansas - Talk Business & Politics](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQZmdKUEVKeFdYTFFTdzNpWlNSS0VlMDM1OWdHXzlXLTRjZ1FHZ2RFb3Q3cjNPTHNTeEJmcU9VNHdNUnJFaFliMVFUcXZQckFSMGhHckJKZC1RTVZ6eGYzYVJJTG1fc1hpRGdvdkdsZFFpREY0ajk5d3BIVVRrNktWV3VST0IyNHZXWWtkR0hPeGhxTDFKLS1nT2xGZUpva3ZMSnBGaUU5RFBFUzl5ZGE2OVU3d3RsUm1JMjN2QTJObkZ4akk?oc=5) · Talk Business & Politics
- 2023-05-10 [Today’s Bank Appoints Blackston to Executive VP, Chief Lending Officer - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBqYXB1TU9kMThJMHpjTlQ2SFJRSjljbDh3aE9OMEpidTR0eXBWQUdXc09naWNTa0dVSWVJSTdRUkRHWEJ2RE5tM0oxTFJpUDRiNUlnMXM0S0plX21CaXdaMUtkRQ?oc=5) · Arkansas Money & Politics
- 2023-10-16 [Today’s Bank Expands to Benton County - Arkansas Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRFZUNVYtYzZIVUpNcFhSSzRnY201cV9xckk0MDd3OUp1U0JyaU4wdDVVckhhVUFfVWV3bWlOTkQzU3RJSVQxVTBHYVRDOUcwZVhDNDU5WEh5UXpaTUI0V3dCM2tCc0FIVUpnTTVwRnFDTXY3NXJYeWxhT2ZXMnFxNzh0Wlg?oc=5) · Arkansas Business
- 2016-09-23 [Mulberry-based Allied Bank closed by Arkansas State Bank Department, Today’s Bank acquires deposits - Talk Business & Politics](https://news.google.com/rss/articles/CBMiywFBVV95cUxQTGhjc05lcUV1OXQzM3dYc3ZMUXVQZUlyVUVub1lGUzliclBKVEUyc0QtZmdyV0JkRjc1cUN2M3R5REE2UmdaeG94S2p1UlRjcmpTc2xvU2txT2JUSlZrZF9YNDd3ckJwdmU3Ni1OdWJmYUY5amduaWttekNDd0pBcE4tMzhIUmxyemFVSjZjRzRQeTFYNFhjbG5QaUhDbmtMWnRpeEtLTzk4NmszcmZFVmY5YVM3ckRhXzJoczlFTjM5eVFmZGFRNUdRVQ?oc=5) · Talk Business & Politics
- 2024-04-24 [Today’s Bank opens in city - Pea Ridge Times](https://news.google.com/rss/articles/CBMieEFVX3lxTE55dk1nQkZpNnJpRTFJdjRYbU9sN3JXTWFzV3ZBY0FqSjFCSXR2S2NZNUJXMXhPSWNrMG1UZ0NUanNRYkVvUTZUYzNTNWFIZHJVZjhpZnE2RWtTR3dOLWs5MDZqT3NKV004dDFIQ2RxVzB3dUlrb0JrVA?oc=5) · Pea Ridge Times
- 2021-05-31 [Gauthier Named Springdale Market President at Today’s Bank (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMitAFBVV95cUxOMHFrV1NqQUlXR2JyV09PUXZHWWF1alRjSF9IVWE3QS1yem1RV0NySjRYNENyUGxVTm9fZ3RwLThKTnhKcEJ1TGNRc21IQW9ZQUoxWVpPQmxFMGJMN2ZPX2JfR0VkTC1BU1RjY2tsNlBLci16S3cxUEI0TUxHQmliNnM1Wks4RDZrMGoxbm1CRm55ZWR1ZUFXWVp3YUZ2Vk9GLVJXb0pIUlVNdFNaU2dXT1UtLW8?oc=5) · Arkansas Business
- 2019-05-22 [United Federal Credit Union expanding Arkansas footprint with new branches in Springdale, Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOOWQ4ZnhDcGtRdTBIVENvYUoyckxFOURKMVl2YTd3TGhPYThsN2FuZnZWU1RqV3lBYUNrWXNjVWYySTd1YnpxT2FpbEh4TVJzZnlDaG8wVjFtb3FOdlFwWVdzZWpMX1ZWX041ZUtaZzZvX0xvX0tRUmN0Uk1MX05xaFRXanUwaVRma0xJX2FuU0FTRjd1S0JTZng1R1ZSZDhoZTB1RXhkcFoxS1dNV3JWa1Y0Um10d1lJbUl0YWRhOWFrQ3BNc2djTQ?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33470 (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/62.json (key "33470", 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