# ARKANSAS COUNTY BANK
DE WITT, AR · FDIC certificate 3858 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $189.5M | |
| Deposits | $152.2M | |
| Loans and leases | $90.5M | |
| Total equity | $19.5M | |
| Loans / deposits | 58.31% (p39 of band) | 64.60% |
| Liquid assets / assets | 49.77% (p69 of band) | |
| Uninsured deposits / deposits | 22.15% (p65 of band) | 18.23% |
| Brokered deposits | 0.47% | |
| Wholesale funding | 9.82% (p88 of band) | |
| FHLB advances / assets | 3.99% | |
| Tier 1 leverage | 9.67% (p36 of band) | 10.53% |
| Unrealized securities loss / equity | 5.17% (p89 of band) | 0.67% |
| AOCI / equity | -1.03% (p50 of band) | |
| ROA (annualized) | 0.86% (p42 of band) | 1.00% |
| Net interest margin | 3.21% (p47 of band) | 3.26% |
| Efficiency ratio | 72.49% (p60 of band) | |
| Noncurrent loans | 1.86% (p85 of band) | 0.41% |
| Net charge-offs (annualized) | -0.07% (p6 of band) | |
| Reserve coverage of noncurrent | 107.14% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 20.92% (p61 of band) | |
| Auto loans | $1.1M (1.23% of loans; DQ 6.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 25.1% | |
| Employees | 44 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

## 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
- 2021-03-22 [DeWitt First Set to Sell for $26.1M - Arkansas Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRDdvZFZrT2xSd0MzQW9oYzBOY0xPbXZaV0x3QmZvaHVEU2trYVg2dTc1R0dlamYzZmhXLW94YWdZWlR0WllwTU5VOW1xTDFMMHVSOW9Ram16eE1kcXdyQ2R4UlEwU1NZRnRrcUhBVnFkX2F5clFGMWNIT1JtLW40cA?oc=5) · Arkansas Business
- 2017-08-13 [Warren A. Jennings Sr. - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZUV0UVI0VFRTSnIzZ1ZPMjhwNWh5UGJhWjRDQks0NWJCclZhc21CbXZyVnpzZldFSkJIZmYxNlZYNS1rN1NCc3M1b2E3RVRHUzh1NXdqLUxhMXVlQ24zTzlZTFNETFdHRzJoV1MxZUtkYWQ1Tk10ZGdFN0w1WmxVXzZTMGU3ZlJiLXZfTw?oc=5) · The Arkansas Democrat-Gazette
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2017-12-29 [Hazel Riley Obituary (2017) - Bayou Meto, AR - Essex Funeral Home Inc - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNVVE5TjRqZWE3a3RRQWRZVXQ1MWJkZFhmaHg0X1RwYnVQZWF4YnoybjJaV2psVVUyN1V3dDVCRnNlbGFCVHdTRHBrTE4yS2xna092cWdjZGtBYnQxR1U2NDFnMnRTUEFnZWZyd0RmZ09PX1JvS3FHUTlPUk96RUcta1JB?oc=5) · legacy.com
- 2006-12-20 [Kenneth Wingfield Obituary Dec 20, 2006 - smithfamilycares.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5aaTF2Z1ZYWVM2VVlvam1oX3dNZzB6RjZYbG5nY20tZ3FyUkI3Y0dYV1Q1UDEybktFaVdyU0o0NVVoYzloOW80UnBUeDlfajA3R2hDTEMwbWtaS0xYRm5ZQTQ0OFBvS01LMUpZTUpB?oc=5) · smithfamilycares.com
- 2025-10-06 [NWA C-Suite: Ines Polonius - Talk Business & Politics](https://news.google.com/rss/articles/CBMia0FVX3lxTE1iVDdneDI1TWpnSjVINUozYkI0WXNxYmZQaS1tLWU2UTB2aXJEbEQ4YlRPOUczaXEyTlZmY0VlUVRWTG05LVdwaWJiajBmVE55S1k1eEFCNjdLOGRQVnUtaEpEejNvQ1hFdlpv?oc=5) · Talk Business &amp; Politics
- 2014-08-09 [Billy Miller Obituary (2014) - DeWitt, AR - Essex Funeral Home Inc - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMG9lNTFLVFJlMkJseHM2aERDQ2lFeUtpSFdlN002X28yZ3luQkNPQ2oxU2h1ZVVfZFhjVW1wMjdPU0RHQjUwdWFUQTE2QTYxdlRpd0d6cHVFQzl1ZGJrU2pWSEZKLWpZdTh3dHFKLVRrNzBQRnc1aGd3RVNDd21NaEwxTQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3858 (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/18.json (key "3858", 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