# ARVEST BANK
FAYETTEVILLE, AR · FDIC certificate 8728 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $28.05B | |
| Deposits | $24.60B | |
| Loans and leases | $20.47B | |
| Total equity | $2.36B | |
| Loans / deposits | 82.32% (p38 of band) | 85.78% |
| Liquid assets / assets | 20.08% (p38 of band) | |
| Uninsured deposits / deposits | 27.78% (p27 of band) | 38.39% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 2.54% (p19 of band) | |
| FHLB advances / assets | 0.33% | |
| Tier 1 leverage | 9.11% (p23 of band) | 10.17% |
| Unrealized securities loss / equity | -37.85% (p2 of band) | -7.43% |
| AOCI / equity | -0.61% (p32 of band) | |
| ROA (annualized) | 0.55% (p12 of band) | 1.24% |
| Net interest margin | 4.06% (p80 of band) | 3.57% |
| Efficiency ratio | 81.46% (p98 of band) | |
| Noncurrent loans | 0.86% (p66 of band) | 0.66% |
| Net charge-offs (annualized) | 0.27% (p84 of band) | |
| Reserve coverage of noncurrent | 124.79% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 85.61% (p97 of band) | |
| Auto loans | $1.50B (7.34% of loans; DQ 2.61%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 6087 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | expense ratio p90 | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, reserve under noncurrent |  |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | capital falling | losing money |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | losing money, deposits shrinking, uninsured deposits leaving | charge-offs p90, AOCI drag >20% of equity |
| 2023-06 | 7 | capital falling, charge-offs p90 |  |
| 2023-09 | 5 |  | losing money, charge-offs p90 |
| 2023-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 3 | charge-offs p90 |  |
| 2024-09 | 2 |  | charge-offs p90 |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-08-25 [Arvest Named Official Bank of State Fair; Other Partnerships Announced - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTE0yZl9CUDFHN0tXdW90VzRTU1pQUjlZWm9hOGZVdDMycmMxSVBEQ0xnUXJuN3MtNmtRWkR5dUZDRVJuVUxCZUpKcVJ6UGZlZF9CMzFhek9nY3JaYXFEUU9WUjRMLUFGVjlQRHRVUHJOVWc?oc=5) · Arkansas Money & Politics
- 2026-07-08 [Arkansas-based bank with $28 billion in assets plants flag in Frisco - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQNkkzV2lWNU5rLWxuQ0IxNU4xR0JxVlJ0bV90OGo3djB3LXJHSVdtWGdBZVZfTloyYVJjbHFLTGVwWXZIVDFXZ2JjRDhEYm4zb3g3VWlHN2ZaTkVyeW5nNVJDTm16OVhFUngyTFQ3bVVRNWNqUXJPREZWVkJ3TUV6RXhpbjdGeUMwRFhxZ3gtQTl5S255VWVqdGZmVnFGYkNqUzNXR0E4cTc?oc=5) · The Business Journals
- 2026-08-21 [New Arvest Bank Skyline Report shows Northwest Arkansas home prices stabilizing - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxNRGRzLVVIZkdQeC1DMW9sYmpCZUVVb0d6NnFsWHY4eDlDWHVSLXQweV9zUUM4czlFckJUX1J3QmlSdS0yeEVNUG41V1ZLT1IwQmdPX0RSM3Y5MktZOG5qc1ZmN29RU0JRTGV2enphdHFDRVo1SXFuRVJSRll0WUJTeWJFR0lBbm1BNlFOMGlDNlJsV2I2UUU3TFNn?oc=5) · Yahoo Finance
- 2026-07-24 [Arvest adding monthly maintenance fees to checking accounts - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSEJqVXhmYm04bEpUZ2s0bzhxR20zYUlvSVVVVGR4dE9jYzFXMlI3b1ZIczZsdWJ3VmhqT0dpa0xUV1VodVdlSjhoSlBZckFQNFV2NGFKSXBDVTVMQWJIZ1kxMXE2c1oySVZWSFU2RFFCLWRVTDQ0a0k5ZFBUSWE1THZZcHNXQkU4Y05BV19DLXVVdF8w?oc=5) · The Arkansas Democrat-Gazette
- 2026-08-27 [Arvest Bank campaign raises $56,000 for Arkansas Foodbank amid growing summer demand - KATV](https://news.google.com/rss/articles/CBMijgJBVV95cUxQRXpocVVrQ3VTMGJRcmpTbklqUmRpYTBlQWVUbFQxa2FyUWRzdjVOSW5heGRvcGRGRFE0ckR3eG9kUThjU0tkd08ycW02dTRrTkItcmFPbHM3SnBDSk5iVFM1RnJEZVlhUDAyeTVJSDQ1V0dwUk5rQXNFMi04WUFodlhUVVBjM1hlTk92MWZ2WTFrdWNZWGszUlhWMXkzVWRudVZtNkxPWFJJMDVsc2NGLXhJTFkwbUNzY1d0cG9MZy1rcnlMTkZiT016c0NkTTZCT0M2UEVaSXQzXzhnWjhuaG0xVERWNnR6aWlHVldXNUFOb0lxMi03OTU5cTNQVVBrWFdEcEFIRUVobGM2MWc?oc=5) · KATV
- 2026-07-22 [Arkansas customers concerned as Arvest Bank adds new checking account fees - thv11.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQSGRueFpCdFBtT25tdm12WnlNd3JnWTNzeV9pWmhrRUY3bE1KRkhFMmNUQTl6WFYyQ1BkelVSNGJGeXpEeHhiaFNEZXpja016aHVIOElxdkwxZ3RsWHBoR2FBbGRuclVHM3c1QnN6aFotcGQzNWlPVlhrNTFUaERpYmVkbW9Jcm8zRHVaU3lWWnhuQTVWNE5sS0RpbEUwRnpSaXZUYnlYNmttNnJzUERhY2VITzhwLWk3a0M5VlN5eGJUWGN4TmdtaHdMUkJna2tOa1lCNW5Na2VReVFFOHNjaHlnam91OGFo?oc=5) · thv11.com
- 2026-07-06 [Bank Branches Aren’t Going Away, but They’re Changing Fast - Arkansas Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSk9aZDFoSVI3WFIycDh0Z0trdGxJTmpySnFPSGdOdk9VcGNJQnJjd0o1X09Hd3JtQ0p2WnZzT3dJemI5VWNwV1VBWG9IaEdHLTR5WjNGaEZ1QlBjV1A1QktXcTZpOWZoQkozbzBTQmFSbGxWU200N1FXRWlPWVA0Qk9SdUdUZHAtbFVNY2t4WW8ybHo5?oc=5) · Arkansas Business
- 2026-04-07 [Arvest Bank launches 16th annual Million Meals campaign to fight hunger in North Central Arkansas - Mountain Home Observer](https://news.google.com/rss/articles/CBMivAFBVV95cUxPQ0loWTZVaDFyMGJLQjF3blc2Y3hhVk9VMEdBcUh0ZXBnSXJGREdaTWp5WWZycURpMThLcWxzX2lNS2NHUXhHdEJwQXFnLThDNW1PM3BSUnR5REFTR3VIVGlSbU0wQmpnbFBsaElxck1vNmdtTFhLTG1Xdm8zOHpVTjRIVnRFUFNpMS14b19EQnIwV2dFUVpsYXV1UURWMzg4UGl6YURpMHduQWd3QjNtV0V3dmVjNWtMN0UtMA?oc=5) · Mountain Home Observer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8728 (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/24.json (key "8728", 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