# SMACKOVER STATE BANK
SMACKOVER, AR · FDIC certificate 5623 · asset band <$300M · 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 | $252.4M | |
| Deposits | $210.4M | |
| Loans and leases | $176.0M | |
| Total equity | $26.1M | |
| Loans / deposits | 82.96% (p67 of band) | 73.59% |
| Liquid assets / assets | 29.11% (p42 of band) | |
| Uninsured deposits / deposits | 28.74% (p79 of band) | 19.81% |
| Brokered deposits | 0.67% | |
| Wholesale funding | 6.61% (p77 of band) | |
| FHLB advances / assets | 5.94% | |
| Tier 1 leverage | 11.04% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -20.79% (p22 of band) | -6.57% |
| AOCI / equity | -0.39% (p49 of band) | |
| ROA (annualized) | 1.17% (p50 of band) | 1.17% |
| Net interest margin | 3.19% (p18 of band) | 3.93% |
| Efficiency ratio | 52.68% (p19 of band) | |
| Noncurrent loans | 0.83% (p66 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p81 of band) | |
| Reserve coverage of noncurrent | 100.76% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 19.33% (p52 of band) | |
| Auto loans | $552,000 (0.31% of loans; DQ 8.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 34 | |

## 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 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 1 |  | uninsured deposits leaving |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | NIM <2.5% | capital falling |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 3 |  | deposits shrinking |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 | capital falling | NIM <2.5%, securities losses >30% of equity |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 0 |  | reserve under noncurrent |

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

- 2023-10-16 [Paulette Reap Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQYmhCcWVOTjl4MnhIc09WV0loNXU0QjZDUlJ4V1I5dHB1ck0wVGU0b0NmV3VBVk5hVzdQQTZHYUo1djZZa3lWY09ma0sxWGkzQWY4RC1iZWRsMU0tcTNYS3VOV093TEFEVkllSF9IZ3R0WlUzVk5vUDFuSDFSODhPY3poNUU?oc=5) · Dignity Memorial
- 2022-10-24 [Brenda J Steele Obituary Oct 24, 2022 - smithfamilycares.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9aeGlMXzlKLUFUS3N1VFQ1MURSazBUal9YdW1OdF9HRG05c3dPSTBzdl9idFBCblVMVmQzNU1nbUt0ODNCRTE3QVZBSmtIenBuT0J4OGh1akVEc0JRQ0J0U3VVWmFLcVdh?oc=5) · smithfamilycares.com
- 2012-07-27 [James (Jim) Murray Tennyson - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNUNPOXh1RENYQ1VTTG1pZlgyaEhVMkZRdnhWT1EyQlNGaUk0WWZ4ZDBNS29rUEtMdnplczZybTZtR0RKYmNKLWU0RjJIRXU5c1FtVGJFUGtnLWNpQndvS0Z0Y2JyV3hDdmJra1FQalZSZ3A3ajJ1eGwtcDVGMVRLeGROd3JYcmM?oc=5) · The Arkansas Democrat-Gazette
- 2024-11-30 [Max Taylor Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNRGdsRUlIZk1RZkJyZ0h5UU5iOG9JWlR4RHpvN2t5X0ZHWEJLckxSM2loVkt4cmNhMXBVVkNuMnVMZ3RfVU5vT0tNU1JCOEVOZnpDeTVjcGg1QjdfZ1lUdktUN0xrSk92aDdoWHFaTTlZdUs4RmE5cS1pQy1qRmVLaw?oc=5) · Dignity Memorial
- 2023-12-18 [Helen Smith Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQZ0VISEpoY1pKMHZWMEJzb0ZOd2pjemdBS2ozOF96YURmSTFKNXdHRWZja09GTGpmSnozLWFoaGpMaElSbkVaQ2ZFWm9iaHlfREZQdDR2ZzlxUXAya2ZXTS1tN1VHZ0hLcWNYdWdwQUd3THJGVTBoeVF1X0VXZUpiYkVn?oc=5) · Dignity Memorial
- 2019-04-17 [Eva Clara Ratterree Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQW5ZcWZMZkdvSVRidXVFcXFqSEU5ODl0ek90WDhBU2YyblVMZ0RWU1RwNkx2VGZMd0t3bWVYaVhxem9iS3JQRW1vRkdJWDVHbkRlMU90a1F6X3o1WkY3NzFuSkJMLUVpT2tFLUJadkQxSWEwbExuSWNXelRBaWVMcU1LeGxVcnl5UTFz?oc=5) · Dignity Memorial
- 2024-10-20 [Jane Spruill Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYmxBeFNFY3g4SjVfSlhzSEg3Zi05THlCVEZUUEdtdVdVYUZJcUNGRFhURHlWVmNJYUp2REdPMXdjUVdsNkdOM3JNZS1CTjBMNUR2SFMtclEwV3VzOFd0UEdQRUVreDJWVEhNcExJa3lJYkRfN2dDSWNYVjBFMTFyaE10VQ?oc=5) · Dignity Memorial
- 2018-05-07 [Helen Sinclair Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWmxGLWhVcm5JeTlJdjg4Z2FvQzJIWktHdVhDUzVZWHNHdlg2X2pQeUxydXBXaVJIcEZGTGk1MnVWQnZ3RnJxc2ZWZXRpLW9DRFpyLTNaRE5XMW9CZmFyZ0hlSHNDSXF2a0ZZMXdNc1JMVFkydk9RdEMzWlJfTmhHTUVCMVo?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5623 (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/55.json (key "5623", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide