# BANK OF GRAVETTE
GRAVETTE, AR · FDIC certificate 5636 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $139.8M | |
| Deposits | $121.4M | |
| Loans and leases | $97.7M | |
| Total equity | $17.9M | |
| Loans / deposits | 79.81% (p78 of band) | 64.60% |
| Liquid assets / assets | 16.48% (p5 of band) | |
| Uninsured deposits / deposits | 7.25% (p10 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.56% (p16 of band) | 10.53% |
| Unrealized securities loss / equity | 0.81% (p52 of band) | 0.67% |
| AOCI / equity | -0.03% (p80 of band) | |
| ROA (annualized) | 0.45% (p20 of band) | 1.00% |
| Net interest margin | 3.61% (p66 of band) | 3.26% |
| Efficiency ratio | 76.48% (p68 of band) | |
| Noncurrent loans | 0.83% (p67 of band) | 0.41% |
| Net charge-offs (annualized) | -0.33% (p1 of band) | |
| Reserve coverage of noncurrent | 100.49% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 83.44% (p94 of band) | |
| Auto loans | $1.6M (1.68% of loans; DQ 1.40%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.4% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | assets shrinking |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | reserve under noncurrent |  |
| 2013-12 | 3 |  | reserve under noncurrent |
| 2014-03 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2014-06 | 2 |  | reserve under noncurrent |
| 2014-09 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-06 | 2 | losing money, expense ratio p90 | reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 | capital falling | losing money, expense ratio p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 3 | capital falling, NIM <2.5%, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | capital falling, NIM <2.5% |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2020-03 | 3 | deposits shrinking |  |
| 2020-06 | 2 |  | deposits shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |

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

- 2018-05-04 [Legacy National Bank to acquire Bank of Gravett - Talk Business & Politics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNa0E2U0NJTmhuR19vNEl6X3hHMU1NTlJHdjNaRll2Ty1iaWlSYnhVRTB3MzdJTTQtcWpBMUZKZmx4bTVSUVBkQnZYcDdsS0VDS1V6djZwMXd1cjdNNTNXem5teDRCb1AwUE9STjZrVUdKN1VYelNieU5tVDZ2RTRhbk9VSTBTRWxj?oc=5) · Talk Business &amp; Politics
- 2020-07-29 [Old newspapers tell of local bank robberies - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikAFBVV95cUxPRDV6TUhnakRoWXJFc3JnWUt1aFZGb0VOSUZvVXpfSjVkOFYzeFRSamExVGktLWREX0phYU9xbEdjRUNIQnBBR0NfajNTdGZleXB6Zl9Pb2pycm9nOVhpakNCZ2ZUeFowX0Y0WHhNcVdPMjBDUHE4QjhnR29DUnBEWDZiYkVlSUd4V2JRNTViV20?oc=5) · Northwest Arkansas Democrat-Gazette
- 2024-08-05 [Grand Savings Grows Footprint in Northwest Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSFlNU2gtdnNsdy1uNFVRSkNURkFHM1NHRFFYY2d0RzMyMFAwRzRQcjVSZnhHZE5KN0RxUHcxaVJlbEo2ZTM3UmVkaFBXZXZlZzQ2dkMyWWJ5cUpWVS1JQWdlcWRKZGVYU0JieUEtUkpjd0VLOTAxdEs2UXoySGlsMGJ1ZXRsNFJSQVl6N0gzM2MyLVVteHZfVA?oc=5) · Arkansas Business
- 2021-04-28 [Legacy National Bank planning business merger with subsidiary - Talk Business & Politics](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcUdtajBFZzRPQ3JBVUhiUkRLZEZGTWxkWkxUYkFfUlBFSFdLbHBRVkhmN21GME5VQm5lRGpOcS1oZzlDV0RWNzBRWjBVdXhWMkJNcnRibjM2VEloQUZQSk5Zdmp2WDh6SFEwWDZMZFFZQUFLVkl6c1h3N3RKOG5QTDBCd3otNFBGeEt3MjZ5a09SVlI1MzV3ZlVBcw?oc=5) · Talk Business &amp; Politics
- 2020-12-04 [Bank of Bearden Scores Satisfactory on CRA Compliance Evaluation - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxNZ2p2TGI5SkJFT0V5dS1nUl9PbEdhQ3QwaUpaVm1NdTF0eGtvOE10SHRPRkUyYWxwemI1b2pZSDl5aUxJNThFNS1ST3VSOEljY3AtMzRnY0Jldm5HMHQ0aEZSbE5nMWVZYkE4TE9udU5XejNQY3BmTWtWcmVVd1Q1UElqa0RpTHFfdkJzc2o5Z0QwQnRtc1hqanJJdjk?oc=5) · Arkansas Money &amp; Politics
- 2019-01-23 [Brian Glenn named president of Bank of Gravett - Talk Business & Politics](https://news.google.com/rss/articles/CBMihwFBVV95cUxQVDFiTFdsT3JnRW1GMU1Pa3RMNTl1dEFJZWc2dkxoa0h3ZDFpdnJCeVZDb3hqQ2M2WVZadmtBU1EweC1JVGtUanE1MnF0X1I3eWFmSGVRejdpdWdlWURVMmR3QWU5cFlkNXVaeUpBYjFPTVFMOGpMUDF1ZEx1eF9yM2dfelc3SXM?oc=5) · Talk Business &amp; Politics
- 2021-08-20 [Gravette Chamber, area businesses show appreciation to teachers - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSFRGNVMtdVd0MWlSQVp5T1NwTkx0Y3BkRFl0eTU1cFNkd2ZMeGVTaEszSFdIN25OT1RCbzlGeFVCOVNEaEQzNFNOazVQM1FzdXlIR3Z6VnRGUnZJLWZ2QzRUVFYtdEpUTWR5dGN0eW52Z25WQWJSNWJIM1Q5eGoydW9YWllJaWlw?oc=5) · Northwest Arkansas Democrat-Gazette
- 2019-08-13 [Benton County’s oldest bank ‘corrects’ historical misspelling, plans renovation in Gravette - Talk Business & Politics](https://news.google.com/rss/articles/CBMivgFBVV95cUxOcFBnaFZyTVgzMXFaSzc0c1EzVG9OZ2dhVkVvYnluc2FJWGxicXBHb3VCQjhvZ0VIM1FVVk5iazBSWGlORjZzMnp2ajJDVExjTHBFTkdsdTB0dXhYamNuS1FjQ2EyVmVmenl2Y01CNmM5cVdYdEQ1eEo1UnJMZzE4RE9IMjlKOHZmQmwyQWc0akNSOXpHMVItVjlOMVhYQWtiWWtWdTRwcVNib2E5Y1JFby12dE9ZUkRsc3JlNjNn?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5636 (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/4.json (key "5636", 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