# BANK OF 1889
BERRYVILLE, AR · FDIC certificate 3854 · 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 | $339.2M | |
| Deposits | $298.8M | |
| Loans and leases | $262.6M | |
| Total equity | $37.1M | |
| Loans / deposits | 86.89% (p64 of band) | 82.04% |
| Liquid assets / assets | 18.76% (p28 of band) | |
| Uninsured deposits / deposits | 31.29% (p71 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p51 of band) | 10.81% |
| Unrealized securities loss / equity | -0.03% (p96 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.01% (p87 of band) | 1.28% |
| Net interest margin | 6.07% (p99 of band) | 3.91% |
| Efficiency ratio | 63.42% (p57 of band) | |
| Noncurrent loans | 0.84% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.13% (p87 of band) | |
| Reserve coverage of noncurrent | 134.26% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 53.05% (p59 of band) | |
| Auto loans | $7.1M (2.71% of loans; DQ 3.56%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 93 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | liquid assets <10% |
| 2012-03 | 2 | capital falling | loans exceed deposits |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | liquid assets <10% |  |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | capital falling | loans exceed deposits |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | uninsured deposits leaving |  |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent | liquid assets <10%, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | charge-offs p90 |  |
| 2022-12 | 0 |  | charge-offs p90 |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | reserve under noncurrent |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | noncurrent p90 |  |
| 2025-03 | 1 |  | noncurrent p90 |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2022-05-30 [‘Bank of 1889’ Set to Debut In Berryville - Arkansas Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOU1J0Slk1cWRyV2tTQTJsUVRxRWJQTTY3R0tDSEVnNzNOTTZVQlFsOW96QnBPZlY5UXEyUmtXSVBteG1zb1RZWDlIdmxXNm9FMTlPbzROc3ZiUnpMenNCRVJseHpfaDlaaVZCVUFMZVZuUFdpTmJidzJLaGQ2ektmU3pZYzhWVjFN?oc=5) · Arkansas Business
- 2022-06-27 [First National Bank of North Arkansas announces name change - KNWA FOX24](https://news.google.com/rss/articles/CBMimAFBVV95cUxQS1FpR0VEam1ma0dpTENTM2Fkc0wyRlBod3ZiY0J1Z0JXM0NNR0NPNGpsVE1CRkRqdWl4eThQS3VENkZrQnMzTHI1TWRJcWxlN0l5TTBiLVFDSTAzUWdaZVZWaTBwVTREdVNTR0E3Tms2SVF2TXRfbDBtYW9EVFlLUDV5SEZ1REVZamt5Mmtkei1IdlhNRUVtMdIBngFBVV95cUxPX2xFV2tvZ1NwOUZJcFN4eXhTaC1PQkpJZTFadXVNRzVXcXdwM3MyM3BwX2NBZVJnTGZVMktzRE9ZeVpGUnM0bnhHY0xZQVdqNmFzTzVSeXpoTnBaZmtOS0V0QlBiQ3B6ejV5d2taeUNGeGdUZ19JTzVNRnVDeVhaMXZHd2JTRGtoLW04dVRZQmhjTm9oTk96Z3U0VWlyQQ?oc=5) · KNWA FOX24
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2025-05-20 [Arkansas Bankers Association announces new leaders - Talk Business & Politics](https://news.google.com/rss/articles/CBMijAFBVV95cUxONlM4TGpFTnh2ZFRzTGNPYTdvMVFQbXFvWmJmaE9tYTF4eUxPbFNKOEtpT2FYNFo0d0VGX2dCZnZFMkliRkI3LWdDUGNnYjM2VnpsbFNqYVlBVmxJTVNwOEZ2QmlYZ2t3TGlWa2FnSDBKTFl1OHhHcUl0VXBFMHpKTUprY3pzMFBDVkZIXw?oc=5) · Talk Business &amp; Politics
- 2026-04-28 [Builders of Berryville to honor legacy businesses - Carroll County News](https://news.google.com/rss/articles/CBMihgFBVV95cUxQUXBHT1lTR3B2RFM1endsYTRlNFpMeFpTQU1RTlREYkVLMWFrV1ZqZHZ1c25GOGVzODRXTnZORVktNHNrQUFkU0FqV01JREtrSExoV0p3SVRTMTNuOHo0WmR0OWVEMlJ4T0piM29Qa0RkX1Q5U1ZldkVRVjJkem43N19FQmNJZw?oc=5) · Carroll County News
- 2023-06-08 [George Wayne Clark - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbG45M2d6UkJPUTF1dHk0MWpDTGRmTW9KRm14RG9CdXFlYTNRWFE1YWZwdmFYM2wxRjZ0NXFpSEFUeVRjSUhzYWxscUVWaTh4dTJKNFJIenhDYU8ySUc5Slp3QlZXOHE0Y21kSHRzOFdleHcxVW9HcDUwVDE0WnVkSzdpekU?oc=5) · The Arkansas Democrat-Gazette
- 2026-04-06 [3 arrested in multi‑state ATM jackpotting scheme - KETK.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUHRnaE9KUU9ScUVJQ0JmcmFMSzFqbHpVc1RSbmtSRnFQMmV2VmtzQ1B3NDRBY2phbDdKdzhFTlJpcmFTcHFmRWUtNjhVRjBYclQwQWZVc3dZTklVODdCOTQ3RXlWd181MlV0bTFETjB2eE5SSjEtZWNUSllFSThHM2F4dXNjZERDai1BY0d5anhWZnlGMklyZ2VjUFBybnBPWGhrY3lR0gGrAUFVX3lxTE5YM1ZEYWx2Zm9DQkFQNllhY3Z5eUlHZGg1WWlwWV9tN1FJcjZkUTFmVlRBQndRMER5OHhXTlhSNWN3akF3UDk2bU52ZjVUbjcxS3JadFRzWXkyR0ZqUTlnT3ROQkRfMDVvUnhRZlhrSGpZcFZiVjl3UVBlSW1TdGhlZjYwSFpvYjhHaEY2ZFVkY0gyMUhYUjUxdDRDVDBSSzRJOURFS040a09ldw?oc=5) · KETK.com
- 2024-01-07 [2023: Notable Deaths in NWA, Fort Smith metro - Talk Business & Politics](https://news.google.com/rss/articles/CBMigwFBVV95cUxNcVoyRXpDNkxMRmdpX0ItbDVMMGFmTFc2OWNhQkx4S1F5WnJ4VGx0WDM4REpFc21HdFp5MkdaV1FrSkJxUVkyenRfZzlGREtQR3N6TVZXOHdIR0lOZVA0cURId180dEZ3VnVwYjMyaFZtUllKcEF6SDVMU0c3VENqMkZwOA?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3854 (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/14.json (key "3854", 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