# CONNECT BANK
STAR CITY, AR · FDIC certificate 5634 · 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 | $123.9M | |
| Deposits | $107.2M | |
| Loans and leases | $81.9M | |
| Total equity | $16.1M | |
| Loans / deposits | 74.63% (p52 of band) | 73.59% |
| Liquid assets / assets | 30.10% (p44 of band) | |
| Uninsured deposits / deposits | 19.47% (p49 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.24% (p48 of band) | |
| FHLB advances / assets | 0.24% | |
| Tier 1 leverage | 15.92% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -28.41% (p15 of band) | -6.57% |
| AOCI / equity | -1.18% (p23 of band) | |
| ROA (annualized) | 2.14% (p88 of band) | 1.17% |
| Net interest margin | 5.25% (p94 of band) | 3.93% |
| Efficiency ratio | 58.31% (p31 of band) | |
| Noncurrent loans | 0.88% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 265.79% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 82.35% (p90 of band) | |
| Auto loans | $701,000 (0.86% of loans; DQ 3.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 31 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 2 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | deposits shrinking |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 2 | deposits shrinking | charge-offs p90 |
| 2014-06 | 0 |  | assets shrinking, deposits shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2020-09 | 1 |  | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | construction >100% equity |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 2 |  | construction >100% equity |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 2 | construction >100% equity | charge-offs p90 |
| 2025-09 | 0 |  | securities losses >30% of equity, construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-11 [University of Arkansas at Monticello gets $125,000 from Ryburn family - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOakZFRF84ck1pTzlhdlVUMzJKOXg3MUJJb0pFZURELUtRd0RoUjBRQnN5THBuX1BCR2F6dWM3OVhORDFiWFhUaXloRFBFU1BjT3Nua3pocjJQYUwzS3JIeXIyMFd4Q004TVpBcnktTDF5bWdRb0NvZldCRmFobE4tckk5QlY?oc=5) · Pine Bluff Commercial
- 2024-07-01 [Taking a Look at Return on Equity - Arkansas Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxNYVJfSENJMUhLUEhpdFNZbC1LS3dJcldZeHZxdXFUSXZjWHpYZi1nMXpISTdoTVJvaFVaZUtkbnllTkhJd01HWnM2M3ZYOWMyVXBmQW9FNUx0ZkcwcUp1WU81Zy1oQ3QwcXdDdjg2a09aWmx4SzVvWlRsYVJkWGpoVQ?oc=5) · Arkansas Business
- 2025-06-26 [AI Is Reshaping Accounting Jobs by Doing the “Boring” Stuff - Stanford Graduate School of Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxQRkM3d0MwekVxNjIyYzNTUS1GTllkME14RmxTSzZ5YXpfaHRBNEktXzJyMUYzNnRlQm0zaG1DZzI1LXJ4Tzk1dGFUS293U3FCU211RWpZckFYOWl1UnNiaFpxV01LLUhENlUzSUhVXzFRbm5jQi1tRkg4YnBTeGRUYUNlUEFTSHhZWmp0SUh3?oc=5) · Stanford Graduate School of Business
- 2026-08-18 [7 Best Bank Reconciliation Software for Businesses in 2026 - TechRepublic](https://news.google.com/rss/articles/CBMie0FVX3lxTE1MOXo2clZnSkZRMGdzZF9meVNCLXByTmxHUWdYaHlMY0hDb3RKYmNNQkgxV2IyZWhOUHZ1aFUyUmQ2dlh5U1dzdUNxSXN0QUc4a3JFM1owZGlMd3lob3pTNGJ6Unl6ajdrTncwSFI1dDlWNlB0OGNkWUQ3TQ?oc=5) · TechRepublic
- 2026-05-16 [OpenAI wants ChatGPT to manage your money and bank accounts - Gulf News](https://news.google.com/rss/articles/CBMirgFBVV95cUxOOFpRZTRPWkVKOGRoSGlrcGltV1NRaWFVdUtYbWkwdll0b3Utczh0cU9KNWswQVRJNnZXdjBMUFl5TndfZ3NyanV3M2RMcmRZUUtTbW1JM3M2Y05Qa1FUbVU4N3E2N1pQQlZ6cUtDaFRzd0E2bVRNcFZfa2VZWVFfTzU3dlFFcVh5YWRUemstNXVGeHFVdm5VOUtqUHdZbmJrZ0oxS2dmRDQ0cnVpbnc?oc=5) · Gulf News
- 2018-03-27 [Friends Again - The Shorty Awards](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5uek9IQ2I1alRqV3JkU1RaVWpXWFU5VXBxNUk5cmxTVUoxT090c1lnd09KWEVycWVEdng2cW9KaURlU2RsZ1JlYkU1WGNwSnhQcWduaG9FX00?oc=5) · The Shorty Awards
- 2024-06-12 [Singer, Actor Charles Esten To Headline Festival - Cleveland County Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxQSkVEdjRVWERsSG1YaGpPejN2UmlpSVRIaEFRdUR1cmxBZDBOM2FLajV6Y1pTR1RVMkx2WWx3REJDa09mM2U4cldDSUQwWFBhaEJSNi1mZHAxbnZtTGwxdHBGWjZrdTA3SkVfbzkyVk0tMExiaDdnUVIxZVRpRk8xSmVuYTI4dENOcEMyLVc2M3I?oc=5) · Cleveland County Herald
- 2026-05-28 [PayPal expands China payment access through WeChat Pay merchants - Cryptonews.net](https://news.google.com/rss/articles/CBMiV0FVX3lxTE15MmFxeEhyQ1VCbG9xRVZOTmhEWnZvZjkxTnJXZm9NWExOLUgyRTBJNkt5YXg0WWN1WGJtMDhEWE40Vl9NbWgwVFJpb3QyZjZfZ3pyZTZlSQ?oc=5) · Cryptonews.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5634 (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/2.json (key "5634", 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