Total Assets
$190M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of Cave City — FDIC Bank Health Profile
Cave City, Arkansas · Est. 1906. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #105 Dallas Region
C
Health grade
Fair
Score: 64/100
Basel III capital ratios — Bank of Cave City
Total Deposits
$167M
Customer-funded liabilities
Net Loans
$123M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
21.86% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
21.86%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$12M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.11%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
20.11%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
75.66%
Income & Expense Breakdown
$11M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
FDIC Deposit Insurance
Bank of Cave City is FDIC-insured (Certificate #105). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Bank of Cave City
Bank of Cave City is an FDIC-insured institution (Certificate #105) headquartered in Cave City, Arkansas, established in 1906. The bank currently holds $190M in total assets and $167M in customer deposits, with $123M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of Cave City reports a Tier 1 Capital Ratio of 21.86% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $12M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.11% and a Return on Equity of 20.11%, with an Efficiency Ratio of 75.66% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (64/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of Cave City is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Arkansas by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of Cave City (FDIC Cert #105) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZK Little Rock | $40.8B | B | 1.78% |
| Arvest Bank Fayetteville | $27.8B | D | 0.51% |
| Simmons Bank Pine Bluff | $24.5B | D | -1.40% |
| Centennial Bank Conway | $22.7B | B | 2.14% |
| First Security Bank Searcy | $8.4B | A | 1.81% |
| ENCORE BANK Little Rock | $3.6B | D | 0.19% |
| First Community Bank Batesville | $3.4B | C | 1.09% |
| Farmers Bank & Trust Company Magnolia | $3.1B | C | 1.36% |
Frequently Asked Questions
What is Bank of Cave City's health grade? ▼
Bank of Cave City receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Cave City? ▼
Bank of Cave City holds $190M in total assets and $167M in deposits. It is headquartered in Cave City, Arkansas.
Is my money safe at Bank of Cave City? ▼
Yes. Bank of Cave City is FDIC-insured (Certificate #105). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of Cave City's Tier 1 Capital Ratio? ▼
Bank of Cave City has a Tier 1 Capital Ratio of 21.86%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Bank of Cave City? ▼
Bank of Cave City has an Efficiency Ratio of 75.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.