FDIC Cert #8728 · Fayetteville, Arkansas · Est. 1871

Arvest Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$27.8B
Total assets
C
Health grade · Fair
0.49%
Return on assets
11.4%
Tier 1 capital

Data updated July 2026

The verdict

Arvest Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 11.41% Tier 1, 0.49% ROA, 84% efficiency ratio.

#76
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
11.41%
Tier 1 ratio - above the 10% well-capitalized line
15th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8728 · AR C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4098/4307
  • PHOTO-FINISH Kerndt Brothers Savi… · IA
  • TIER1-WELL 11.4% Tier 1
  • TEXAS-CLEAN 6.4% Texas
  • ROA-THIN 0.49% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Kerndt Brothers Savings Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Arvest Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Arvest Bank · AR · this bank51/100Bank of Wiggins · MS · near51/100Home Banking Company · TN · …51/100Kerndt Brothers Savi… · IA ·…51/100Local Bank · AL · near51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Arvest Bank · July 2026

What Arvest Bank's Call Report plate shows

Arvest Bank (FDIC Cert #8728) carries a PlainBankData health grade of C at 51/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,098 of 4,307. Tier 1 capital prints at 11.41%, clearing the 10% well-capitalized line. The Texas Ratio is 6.42%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.49%. Balance-sheet scale is $27.8B, 76th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Kerndt Brothers Savings Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Arvest Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Arvest Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Arvest Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Arvest Bank's 51/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10051/100
Arvest Bank's composite health score
Tier 1 Capital Ratio (11.41%) 28/40
Return on Assets (ROA) (0.49%) 7/25
Texas Ratio (6.42%) 16/20
Efficiency Ratio (83.77%) 0/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$27.8B

Total balance-sheet footings

Total Deposits

$24.3B

Customer-funded liabilities

Net Loans

$19.6B

Outstanding loan book

Net Income

$133M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.01% 11.41% 12.81%
Basel III capital ratios - Arvest Bank

Where Arvest Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Arvest Bank's score of 51/100 falls in the highlighted band.

Arvest Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Arvest Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Arvest Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Arvest Bank's $27.8B falls in the highlighted band.

Safety ratios for Arvest Bank

Tier 1 capital ratio
Well-capitalized 10%

11.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.41%
Texas Ratio
6.42%
Equity Capital
$2.3B

What these ratios mean →

Profitability metrics: Arvest Bank

Return on Assets (ROA)
15th percentile nationally
0.49%
Return on Equity (ROE)
6.24%
Efficiency Ratio
83.77%

What these mean →

Income & expense at Arvest Bank

$1.3B
Interest Income
$537M
Non-Interest Income
$1.3B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Arvest Bank reports a Texas Ratio of 6.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Arvest Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Arvest Bank by assets

Arvest Bank is closely matched in total assets by United Community Bank, WesBanco Bank, Inc., City National Bank of Florida, Ameris Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.23%, versus Arvest Bank's own 0.49%; the average efficiency ratio is 50.59%, versus 83.77% here; and average Tier 1 capital sits at 12.80%, versus 11.41% at Arvest Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $27.8B in assets, Arvest Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Arvest Bank nationally by total assets
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  3. 3
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

  4. 4
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  5. 5
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  6. 6
    Axos Bank $27.2B

    San Diego, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Arvest Bank (this bank) AR $27.8B 0.49% 83.77% 11.41%
United Community Bank SC $27.9B 1.19% 53.77% 12.34%
WesBanco Bank, Inc. WV $27.6B 0.91% 57.60% 12.06%
City National Bank of Florida FL $28.0B 0.96% 48.16% 14.38%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.8B here), outside Arkansas so the neighborhood is not state containment.

United Community Bank $27.9B · SC WesBanco Bank, Inc. $27.6B · WV City National Bank of Florida $28.0B · FL Ameris Bank $27.4B · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Arvest Bank (FDIC Cert #8728) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Arvest Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%
Southern Bancorp BankArkadelphia $2.8B B 0.81%