# ANSTAFF BANK
GREEN FOREST, AR · FDIC certificate 3869 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $1.18B | |
| Deposits | $1.06B | |
| Loans and leases | $912.8M | |
| Total equity | $112.8M | |
| Loans / deposits | 85.29% (p46 of band) | 87.10% |
| Liquid assets / assets | 18.40% (p39 of band) | |
| Uninsured deposits / deposits | 18.32% (p14 of band) | 30.76% |
| Brokered deposits | 0.17% | |
| Wholesale funding | 0.17% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.20% (p43 of band) | 10.50% |
| Unrealized securities loss / equity | -11.56% (p37 of band) | -7.75% |
| AOCI / equity | -0.38% (p44 of band) | |
| ROA (annualized) | 1.91% (p85 of band) | 1.26% |
| Net interest margin | 4.01% (p69 of band) | 3.70% |
| Efficiency ratio | 52.81% (p32 of band) | |
| Noncurrent loans | 0.14% (p17 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p51 of band) | |
| Reserve coverage of noncurrent | 887.97% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 47.33% (p49 of band) | |
| Auto loans | $12.1M (1.32% of loans; DQ 1.95%, NCO 0.01%) | |
| Loans to nondepository financials | $3.2M (3% of equity) (p80 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 158 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 0 |  | capital falling, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-24 [Anstaff Bank Review [2026]: For Arkansas Residents - FinanceBuzz](https://news.google.com/rss/articles/CBMiVkFVX3lxTFAyZkpqU2RvYi1CWldIc1VEMlhnTTR2VnFmRENXS3ZrNmNlMl9GVnBsUUVtTkRQVVdXeDRHb1hoTldZUllBRHFBc2pvU2xKRzBhOUpIZEJn?oc=5) · FinanceBuzz
- 2026-04-27 [2026 Centennial Bank State Soccer Tournament - 4A Girls at Anstaff Bank Soccer Complex (hosted by Green Forest) - Sports Illustrated](https://news.google.com/rss/articles/CBMihwFBVV95cUxOcHhoS3Rta3J1UlJpQ3ppUE9BOHBnM3RkWnktcmJkZW5pNVU1NEhQVGxycTdDcW10TVFKdmNId3dPVjFWOGJLYll5UElFR3RPNFQ3NzJVUzNVY2NqUXA3TjIwR21ZeGNZdDlSTzlhVTF3U0pzMGpmQXZLM2x1TzNlZTkzbENvQjQ?oc=5) · Sports Illustrated
- 2025-02-17 [Anstaff Bank, UAMS, Arkansas Spine & Pain Announce Leadership Changes (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMivwFBVV95cUxPNnNPY3dZQS1pemU4Q0xjQ24tV0YybkloZTF3bVN0dmoxSmw0Y3UwQ3NOUHFiQXFIRnpBMkFFZWNyMk9NeFh0d01TeUtpQnA5MldVX2xiTlJmZWVoMGhVcEFkd0YzRDZzS1RIeWFDWlZTNlNNWFRHLXdFcXZkaldSaWRkLVBiUzBtWTdEaHE4ckRlUXN5WXhUNFZqZ3dQdXMtU0xCUzRzVFV5eHRESlAxb2tGaDI5Nm5CMmJjUjRkSQ?oc=5) · Arkansas Business
- 2015-10-23 [Anstaff Bank N.A. Expanding With Purchase of Flippin Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMikwFBVV95cUxPazgwUHJ3N3NtNmVSY1NETlR1VlZpX0U0T3gxZHdxeGxVOHpCb2V2NjgyaGx1M3pISGxwSUhrMTc0RVhCdzlXR1JpaHh4eTg5N3doQ0hTbnFrM0VYWDRIUDRtY0RKbTVNNlBEY2tsUHh5OUJCX2VqSE9qRFF5WGEyVmR3YW1LNl92OTBwSlZQQVp3Sms?oc=5) · Talk Business & Politics
- 2021-07-26 [Suspect arrested after robbing Huntsville bank - 5newsonline.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQNGU0ZVd1WlVudjgwM2xQazQzeXVZVVdScy1jWmVDZ3NfLVdaSUxySkpCU093TG9zWnRjM2tEVDBqX3JlbnRpN0JqX1NyRS1hTGZSRzR1enJFMW9kbGFXZnZURi1lTURtVUFTMVpfbkdfdGxoUjc3NDdHX0FzdGlfYjVwLUdfMkRxNktuUFlnS2xnS0tYYTVlLVU0ckNGeDZ3Y01IVlVnbG15aUZOMzBWOGI3OHhlSm1HS0FB?oc=5) · 5newsonline.com
- 2015-12-18 [Anstaff Bank Acquisition of Twin Lakes Bank Officially Approved - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPVkhsRFRwVmtzNFZNX2NRRlViLUVhRjdIY3NlcWQwcE8yTGNmbHp1WVNkQkc4ODFRNWk0YW5ZTnV1VlA2cXZRWTBzVl96YzJ0aWNpV2ViRUJfZTFyS1NxS25pa25RYkpxcWVpcTZzMEpQTWNFMnFlMlAxUnYxb2VtV1pCTUVOd29QU0xOalh2RHJfcjVxc0xSU3ZId29XUQ?oc=5) · Talk Business & Politics
- 2023-07-03 [3 Arkansas Banks Surpassing $1B in Assets - Arkansas Business](https://news.google.com/rss/articles/CBMifkFVX3lxTE4xMEREcnBVMnQzMDR4SUNMcU4tM0plY3gzVmhac1RnMEd5aWd0NXJlMGUxc2JQSklIbDJ1MTZyVVZjN09uR05oMTk2M2xHRlh3R1RXUFR4aVNPMzRjaEptbFNJQjlfZDZheFNrUGVzcHFTeXdXRk9pOFhBMzhQUQ?oc=5) · Arkansas Business
- 2014-07-15 [FNB Green Forest Changes Name to Anstaff Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZVU3MndZMW10TEF1anA1Njh5QlVCVjRZMzVFM1ZLcjkzR204eTFIWnBINUtZelRwZnUxbkNZdFlIWUt6N01DNEhyZHRDeHhOYlBaVnBneVZtVHRwTWh5WXBveXlYRkVMS01uX0hFV184NTBaTFVrX09JS1MyRFlFa1dOZXQzQQ?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3869 (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/29.json (key "3869", 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