# BANK OF LITTLE ROCK LITTLE ROCK, AR · FDIC certificate 91280 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $252.9M | | | Deposits | $231.5M | | | Loans and leases | $130.7M | | | Total equity | $19.7M | | | Loans / deposits | 55.49% (p25 of band) | 73.59% | | Liquid assets / assets | 43.84% (p70 of band) | | | Uninsured deposits / deposits | 14.94% (p31 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 8.59% (p7 of band) | 11.76% | | Unrealized securities loss / equity | -35.77% (p11 of band) | -6.57% | | AOCI / equity | -4.08% (p3 of band) | | | ROA (annualized) | -1.25% (p3 of band) | 1.17% | | Net interest margin | 3.99% (p54 of band) | 3.93% | | Efficiency ratio | 73.96% (p69 of band) | | | Noncurrent loans | 0.51% (p56 of band) | 0.36% | | Net charge-offs (annualized) | 3.26% (p100 of band) | | | Reserve coverage of noncurrent | 341.80% | | | Real estate % of loans | 72% | | | Construction % of loans | 182.31% (p99 of band) | | | Auto loans | $990,000 (0.76% of loans; DQ 6.36%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -10.8% | | | Employees | 55 | | ## Flags firing in the latest filing - **securities losses >30% of equity** (`cap_secloss`) - **losing money** (`earn_negative`) - **charge-offs p90** (`aq_nco`) - **construction >100% equity** (`conc_construction`) - **deposits shrinking** (`shrink_deposits`) - **assets shrinking** (`shrink_assets`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 1 | reserve under noncurrent | | | 2011-09 | 0 | | reserve under noncurrent | | 2011-12 | 0 | | | | 2012-03 | 1 | reserve under noncurrent | | | 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent | | 2012-09 | 1 | | | | 2012-12 | 1 | | | | 2013-03 | 1 | capital falling | uninsured deposits leaving | | 2013-06 | 1 | | | | 2013-09 | 0 | | capital falling | | 2013-12 | 0 | | | | 2014-03 | 1 | reserve under noncurrent | | | 2014-06 | 1 | | | | 2014-09 | 2 | charge-offs p90 | | | 2014-12 | 2 | | | | 2015-03 | 2 | construction >100% equity | charge-offs p90 | | 2015-06 | 2 | | | | 2015-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity | | 2015-12 | 1 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2016-03 | 1 | | | | 2016-06 | 2 | charge-offs p90 | | | 2016-09 | 2 | | | | 2016-12 | 2 | | | | 2017-03 | 1 | | charge-offs p90 | | 2017-06 | 1 | | | | 2017-09 | 3 | noncurrent p90, charge-offs p90 | | | 2017-12 | 2 | construction >100% equity | reserve under noncurrent, noncurrent p90 | | 2018-03 | 4 | capital falling, expense ratio p90, noncurrent p90, reserve under noncurrent | charge-offs p90, construction >100% equity | | 2018-06 | 5 | charge-offs p90 | | | 2018-09 | 5 | | | | 2018-12 | 6 | deposits shrinking, uninsured deposits leaving | capital falling | | 2019-03 | 5 | | deposits shrinking | | 2019-06 | 7 | deposits shrinking, assets shrinking | | | 2019-09 | 5 | | deposits shrinking, assets shrinking | | 2019-12 | 4 | | uninsured deposits leaving | | 2020-03 | 2 | | expense ratio p90, charge-offs p90 | | 2020-06 | 2 | capital falling | noncurrent p90 | | 2020-09 | 3 | charge-offs p90 | | | 2020-12 | 1 | | reserve under noncurrent, capital falling | | 2021-03 | 1 | | | | 2021-06 | 0 | | charge-offs p90 | | 2021-09 | 0 | | | | 2021-12 | 2 | capital falling, construction >100% equity | | | 2022-03 | 4 | securities losses >30% of equity, expense ratio p90, NIM <2.5% | construction >100% equity | | 2022-06 | 6 | losing money, construction >100% equity | | | 2022-09 | 6 | | | | 2022-12 | 6 | | | | 2023-03 | 7 | uninsured deposits leaving | | | 2023-06 | 6 | | uninsured deposits leaving | | 2023-09 | 6 | | | | 2023-12 | 6 | | | | 2024-03 | 5 | | losing money | | 2024-06 | 6 | deposits shrinking, uninsured deposits leaving | capital falling | | 2024-09 | 6 | leverage <7%, losing money | deposits shrinking, uninsured deposits leaving | | 2024-12 | 7 | capital falling, reserve under noncurrent | losing money | | 2025-03 | 3 | | NIM <2.5%, leverage <7%, capital falling, reserve under noncurrent | | 2025-06 | 4 | charge-offs p90, reserve under noncurrent | expense ratio p90 | | 2025-09 | 4 | losing money, assets shrinking | charge-offs p90, reserve under noncurrent | | 2025-12 | 4 | deposits shrinking | securities losses >30% of equity | | 2026-03 | 5 | securities losses >30% of equity, charge-offs p90 | losing money | | 2026-06 | 6 | losing money | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-06-18 [AMP Most Admired Companies: Bank of Little Rock - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMihAFBVV95cUxPalAtbzJSa1hVVVhVMmkyRWx3b0xaWklwdzB5TGR6NFFhX2xEaVVmbW9BSE9OWDNpREUzY0VQS1FldVVLQzlQaVEzUU9qS2Q1VGRsd2FhcGtmbVJQaGUwRGhidjdPNnZiV0ljS240WUlVNlhEeWdDRkowdy1sckVkcGROc3Y?oc=5) · Arkansas Money & Politics - 2026-04-20 [Arkansas Banks Miss a Major Opportunity With Women Customers - Arkansas Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcDFhYkNBbHA3bWZ3UXBhc3RkVlIyOWlfb3BOTkh0VmlBd18wMWdjZnZnRDE2OUQ3c2tVSHJ1bUxCakhEbFBoMVRtWDlhaWFUZXJROEhyMk5vdld3YWpQNEl5bm8xUktJSURCMVJjR2Y3T3owd01sMUgyX3MyY0IxS2szNUhJeXk3czVlS1FvVG5kaVFqUFc1ekEyOA?oc=5) · Arkansas Business - 2026-05-18 [FAB&T’s Keith Collard on Risk, AI and Leading a Community Bank - Arkansas Business](https://news.google.com/rss/articles/CBMipwFBVV95cUxONUZVU1prSGZsRkFGQTdReWNILUFNbVM5VFExTVZmQmZWVTB4NFY4eUZkaklPZDl3SWwxTmUza2E3NTVzNzRncUdUeWFQVUdWY1ZfQlk5dzR5QWc3cjViZnVoWldvM29HMGtzdWs0cDBUMmZNR2NDcFZJNFlneWREZHFJMkJzVnJwWUtzSjZsbGFzMVFyQXhwSVBRcjJzdmltVC13MzB1Zw?oc=5) · Arkansas Business - 2025-11-06 [Scoop: Arvest Bank names new president and CEO - Axios](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUk1iS2lLOXFfVExfTXJkVXF1ekRBOXVtTjJVWExpbkVJLUZBLXM0bWZ3am1ySER0R1F1MjVQMnZ6NU5ybnN1d1BueldrM0RuOXdpeUFtaU5DVDZ0WGVTUTN5a2ctZ2l0N1NJdkZQbFZuZ1EwZER5RXJZQWwxRk0yM1hLb2lPT3JQWjRV?oc=5) · Axios - 2018-04-24 [Troubled Little Rock bank agrees to sale - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZEx2OGhMM1dKWVNVNTFBc2dYV0h4YUszbE9Kc01wNFNhak9OanBrMFpGTGpPU3ZVWDY2OVlseGRTTVhHc2RVY3ZzQmkwaEpZYkZaelZ1WXk2cmI4WUVrc0MwRTFER2JONDhoMk1FMm9XcE9qVnhpc1pMNlEycDl4d2sxS0M2WmYxa21hNU1YX1VVdw?oc=5) · The Arkansas Democrat-Gazette - 2026-03-13 [2026 AMP C-Suite - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9MRV9QdjZHd0puMXRKOW5JbGtrWmZicFJrXzY3OFljNXhtOG1kOUJTMUlEUmlzbTg5Slk0VHZITkkxR1ZOUjVvOFMteHpXMEtDOTZZd2ZiNVhmMzI5?oc=5) · Arkansas Money & Politics - 2016-10-24 [Bank of Arkansas names John Curreri to lead Arkansas mortgage team - Talk Business & Politics](https://news.google.com/rss/articles/CBMiogFBVV95cUxQT3k0UF9iUTdESGVLMDhrb19QSWczaEFjQWRGa01jS3BUdDBYZTRZSllGS0Q4cVRzZjFqcGZSMUpvT09aWW9zYlZxZ2d1VkRSZGxCOVYxc0JDejQ5bS1MU04zakdFU0xYMFBDSktIQjBweWZla1hjTUhwRDM5Z0dreUxoRVJpclR2U0xkMHc0QUFjcGZLS3BSdzdCMVRXMTNNQ2c?oc=5) · Talk Business & Politics - 2026-06-12 [AMP’s 2026 Most Admired Companies - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMickFVX3lxTE5ROEIxUlNFbFpGT1cyN1dfOWNVeHpwRWh0U0xHSy1oNmI5UWJ3aWZ5ZVBLdWhfbXdHeG8ycmx2U0hIajRCdmpIRk5tZlNXdVBQZFRZb0l2WUNKM3VmZjVSZUY3T2p1TmFXQ3QxaGZuLU14Zw?oc=5) · Arkansas Money & Politics ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=91280 (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/16.json (key "91280", 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