# PREMIER BANK OF ARKANSAS
JONESBORO, AR · FDIC certificate 34887 · asset band <$300M · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $242.1M | |
| Deposits | $199.1M | |
| Loans and leases | $137.3M | |
| Total equity | $41.7M | |
| Loans / deposits | 68.98% (p56 of band) | 65.69% |
| Liquid assets / assets | 34.31% (p42 of band) | |
| Uninsured deposits / deposits | 28.40% (p74 of band) | 20.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.21% (p66 of band) | 10.88% |
| Unrealized securities loss / equity | -0.07% (p94 of band) | -23.02% |
| AOCI / equity | -0.10% (p85 of band) | |
| ROA (annualized) | 0.69% (p34 of band) | 0.90% |
| Net interest margin | 2.36% (p9 of band) | 3.32% |
| Efficiency ratio | 62.47% (p30 of band) | |
| Noncurrent loans | 0.91% (p80 of band) | 0.19% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 0.16% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 29.57% (p58 of band) | |
| Auto loans | $1.1M (0.78% of loans; DQ 2.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 3 | brokered >10%, reserve under noncurrent |  |
| 2012-09 | 2 |  | brokered >10% |
| 2012-12 | 2 | brokered >10% | reserve under noncurrent |
| 2013-03 | 2 | wholesale funding >15% | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 3 | reserve under noncurrent | capital falling |
| 2015-09 | 4 | noncurrent p90 |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2016-03 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | noncurrent p90 |  |
| 2017-06 | 4 | uninsured deposits leaving | noncurrent p90 |
| 2017-09 | 5 | deposits shrinking |  |
| 2017-12 | 5 | assets shrinking | wholesale funding >15% |
| 2018-03 | 2 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2018-06 | 1 |  | brokered >10% |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | NIM <2.5% |  |
| 2022-09 | 2 | reserve under noncurrent |  |
| 2022-12 | 2 |  |  |

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

- 2022-06-06 [Southern Bancorp closes on Premier Bank of Arkansas acquisition - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPSlllMnFXTU85eE5HTXMzbkY0U20xYTlnNGE3d0I1TE5QZXlpM3BhMDhNN1FsNEhBLXVjRkxpSW1OMFg4aWRlU3Jacms2WFFCcEloR3VRalFOMGozeUg4b0ZiWEhZQ2E2Z2RRTDNEOS05c0RuZ2l5eGdabjJnTG93ZlFuWWtaUVFoMWFERHJGd3NWZXUzMGxNaTVSX3V6Zw?oc=5) · Talk Business &amp; Politics
- 2022-01-31 [Southern Bancorp to Acquire Premier Bank of Arkansas - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMibkFVX3lxTE56TGR5bkVFcmxxZ194UHdZQTBEVUxEdDJ6OUxyc1lvLU1SdlVSZ1p6dlR6Mm95LXpjTmVLWV82a0dfaDJKWEdzYW1lcFB4ck94WDg1WjAyZmttQnlfZ0xqWndtU3hDZEtqRXdFbW1B?oc=5) · Arkansas Money &amp; Politics
- 2022-06-01 [Southern Bancorp Closes on Acquisition of Premier Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTFBFNzYtLXpFM0VUZ2Q3Q1NLdkx4azE1M1dwSk9qMzZHVTlqWlktaE5HTTBoYmF6UTFYOUtZZFZtdGlIZWJMVTlJMW9CWTAzZ1JjUUd3SE5lemZRQkI3LXViUS1nOG5QYUhTdTdYdXpnTnQ?oc=5) · Arkansas Money &amp; Politics
- 2020-10-19 [Bank HQ Relocations Go Intra-City, Inter-County - Arkansas Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeTBHRlNaZ3BNWHBjVlhhN2p4SWJQVnQ0WGtFeHlLUENvRmk3T3lla09HUmZHaGo4SDIyU2tNVWlxUlZyOGlBZjFKbG1rbzh2TkRoYU9sTUNqcl9fcFVvYzVnWFJEWWhBQlVhazlaVUIyTWpOVFFQTFJndER5UlFZdWh4TVhMR1JnS21qSlZscGpvZw?oc=5) · Arkansas Business
- 2024-08-08 [T.J. Anderson joins Farmers & Merchants Bank as CFO - Stuttgart Daily Leader](https://news.google.com/rss/articles/CBMijwFBVV95cUxOQ1UwZ25fanJlaGIxa3FWbldnV0cwZ255MW9yQU1LbzVjRXRNbHpxM3l1U0RXOFItTXVjdnlVeW5WZ2NjTWloMU9vNTV0cm1BRGVmSFZtUHVSYmRtM3lpOExBbTJsSTlBTmgzZXkyUU5Kd0dhUWlMQlhFYklfeWJBa2x2MnZnYVRSTkkxaWJUUQ?oc=5) · Stuttgart Daily Leader
- 2024-08-12 [Farmers & Merchants Bank Names Anderson as CFO - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTFBIbTdNWnU4V0VocEJFOE14Vi1sRW4tWG5Wb1VDVXFkMnhVd211YmtFX0szcE9zbXlWVmdHMEFxQkdRMU4tWXJvcm9zbTZOQnRhOUpjMTgxbmV1RlRCbHdSX0E4QXFBUm05RWdBN3hCS0g?oc=5) · Arkansas Money &amp; Politics
- 2019-05-23 [Jonesboro investors pay $12.8 million for apartment complex in Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMipAFBVV95cUxNVWd3cnp6b29NQVFfT0wweDE0TGU4TVNMUzhmaFlKU01FZUhRWFo5X3BPeTJFbjZxcnAzRHFZUk14V3U2TVpHZHJYNzBKbGlXVDhlNk1zc285Q3lHbld0VHJ6MHNTVS00d0FsdEpBZDBMSG9vbFR5UlRNV3pVUkdTSzVNU2FFYWJwcmZCZFBVUzhBUHd1X2R2WUVGQ1VBQzkyQkh2Uw?oc=5) · Talk Business &amp; Politics
- 2022-01-31 [Construction of First Security Bank Technology Center Underway in Searcy - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxPYTRfS1pjQ2xVS1V5OTI3ekZRSExmbTY0NF9pZUtsdWdYcGF2eVNmUmtfWmcxdmc1cDNHdlJuUURGbWxHTHgxbGJ1bTBGSjhPemtTWEwyZjhZMFJOTzFqZjBfclhwUXBkTlJIUlpPM2VGcHE1RW0yRTNDcVRacldnSGd3?oc=5) · Arkansas Money &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34887 (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/7.json (key "34887", 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