# BEAR STATE BANK
LITTLE ROCK, AR · FDIC certificate 3857 · asset band $1-10B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $2.12B | |
| Deposits | $1.43B | |
| Loans and leases | $1.64B | |
| Total equity | $266.5M | |
| Loans / deposits | 113.26% (p95 of band) | 89.39% |
| Liquid assets / assets | 14.01% (p22 of band) | |
| Uninsured deposits / deposits | 14.56% (p20 of band) | 25.84% |
| Brokered deposits | 0.84% | |
| Wholesale funding | 20.37% (p85 of band) | |
| FHLB advances / assets | 18.61% | |
| Tier 1 leverage | 10.48% (p62 of band) | 10.01% |
| Unrealized securities loss / equity | -1.46% (p68 of band) | -2.36% |
| AOCI / equity | -0.84% (p56 of band) | |
| ROA (annualized) | 1.45% (p75 of band) | 1.15% |
| Net interest margin | 3.91% (p72 of band) | 3.58% |
| Efficiency ratio | 50.57% (p17 of band) | |
| Noncurrent loans | 1.04% (p79 of band) | 0.48% |
| Net charge-offs (annualized) | 0.05% (p70 of band) | |
| Reserve coverage of noncurrent | 112.57% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 60.25% (p69 of band) | |
| Auto loans | $12.9M (0.79% of loans; DQ 1.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -14.4% | |
| Employees | 381 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2025-11-06 [Matt Machen Named CEO of Arvest Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5QeVJtUmV3ZWRaaEVMdmUzTDlXQjN2enBzUzZXdm1vakt5NUhsNF9xbEFqejNselVGYTBfNlFpTms4cXE5M014aENoUzRqZDFoSkdwV1NnYVFHV1dwSEdvTGRxeXg?oc=5) · Arkansas Money &amp; Politics
- 2018-04-03 [Arvest gets Fed approval for $391 million Bear State deal - Talk Business & Politics](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdm5rYWRpV3NRTDQ0dnM3eE9kbExtN1hkbEdSZWtDcEZVSTIyVnZ6ZHFKQkhPNjdhVGc4emdPWDFaRWhHVVYyQnkxYXBqYklTUHExT1RoLTZJR2xDVHI0OWFHbllSWnN5N0hxSVZwcC1OY2ttRjVLMFh5NXZMSWZ2V3EydHpLWkJKSDRxVnU0Zm95cTJn?oc=5) · Talk Business &amp; Politics
- 2020-04-06 [Arvest Bringing Bear State Bank Branch Back Out of Hibernation - Arkansas Business](https://news.google.com/rss/articles/CBMipwFBVV95cUxNUGZqazM3R1lhVU9Eb21VcHJxM3RuZGdFbEU3Sy1ic2Q1QllJOTJrQ2pYSlgtNGY5bnJIcDdRSFJIT0VyOUNnQk45Ui1uaHJFNHpxdS12NElrV2hTOV9BMWJfRkdBSkhjQWRDcW5qaEVCX1BEN0NUUWx4X2FncURGV01OTlZfX3lOblE1MjVYTHo5U3Fxckc3blphU0hFMjNyc1RRSjFYTQ?oc=5) · Arkansas Business
- 2017-08-22 [Arvest To Acquire Bear State Financial In $391 Million Deal - ualrpublicradio.org](https://news.google.com/rss/articles/CBMivgFBVV95cUxOblZZbDM3ZnZLXzFMMGVmTGt6T29YeEszM01vZFJ6NDh0SVBsWlQySEZaelJkT0ZFS21mbUh6X3hYSS1TbXg4X1R0bmRQVThDQm9LT2ZSaDVfdDJEdk1XTUN6MWxUQ2FCZXNqTXJRZ3pPQ05rbVJkd2lSanJtdWY1WmRqaHNHMjc4NGFwUnRoRGw3aWxzbkZqRC1aR0ZzbkFtemdSbjBQQWQ1aldMY0JlZDk5Y0UyUGwwRHhpZjhR?oc=5) · ualrpublicradio.org
- 2017-08-22 [Arkansas' Arvest Bank to purchase Arkansas' Bear State Bank - KHBS](https://news.google.com/rss/articles/CBMingFBVV95cUxNbE1wd1huVGtsSGs0S1N0RFVMU3JJdnlpR3BZc1lfV0tCcm9QWjRsSjFpdk5CNzVmcUFEQU9WSXA1NTctVGs5QmxaSmo1V0FkNURBR2dfWGludzlMMnpBcHMtQmlWSWNhNnZXUzVrR1VNVU8wY19KTnFfbkNwQktMSkxZSlg2c3VmRmhXUkphaHdvN2IyUkRLQkgtUFg4dw?oc=5) · KHBS
- 2020-02-21 [Arvest Bank To Take Over Bear State Financial - 5newsonline.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOQ2M5UXhsZnI1OWZsaWg2Z2pXcXQ3SkdLeU5nTVNrVlJ4WS1zVno3Z3JSQXc1SXFGTmdIa2JzdDljbG0zRjNRWkY0OEtFX1ZjY1NHS2FaQ3BHZXFrN2JESjNQaDZaQUwyVkFVRlpQMmNYLW1sNU1RYWJCekZ1VFRZY21tTWFuQ3VJM1lfZkVpbF9kZm85TDl0aGZmS3psZTc0R0toZE5iLWN1dXNpWTA4N0hZN1JKSzVrQmFnTktFdDZrY216dFRCRXAzbGhlNEM5aUFlYnhlcTNwbjJvUVFLYzk1U2dFZkhobDJud2F3?oc=5) · 5newsonline.com
- 2017-08-23 [$391 million deal will combine two banks with Springfield presence - Springfield News-Leader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOYUs4a2VpbEgySWZBX3RxLVdGYWZVdGlwdEhnVFpnNG5veEh1UkFiaE9SQ0k2Q1l5ZVdmR0E3aW9VWkJnZ2R5MVJ3WllOVHNQdmNHMFJITUJwUVhlQkhCa2t4OHVnT2xTTGZNQmJqcS1JVmpLbmNKTzA0Y1pjVFdjem5hYzh6SVdCWlZzLXpIdlU4SmgyVGpjRDBWT29hWk1YT2hWdkJKNXJYOTQtYS1VWkhjcy1EUkdxN2pSQmFRbGFBRk0?oc=5) · Springfield News-Leader
- 2018-09-26 [Arvest Bank Finalizes Bear State Bank Transition - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiekFVX3lxTFA2S3VxTFcydjNTTzdTWGV4QWlkRUx5NHRvenNjUWpOb3Yyd051YzJpUFU1a3Ewa2pma2ZNbXJVbTU2RWN5bWlMQ3FPSmNwV2h2SFVEempJSXd4VkpoZmYxX2R5QzZoNUduQjExUGFONDRGbkxzbXpxem53?oc=5) · Arkansas Money &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3857 (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/17.json (key "3857", 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