FDIC Cert #105 · Cave City, Arkansas · Est. 1906

Bank of Cave City - FDIC Bank Health Profile

A community-scale look at Bank of Cave City's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$190M
Total assets
B
Health grade · Good
1.11%
Return on assets
21.9%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Cave City earns a PlainBankData health grade of B (74/100), with well-capitalized at 21.86% Tier 1, profitable at 1.11% ROA, 76% efficiency ratio.

#3,083
largest of 4,313 FDIC banks by assets
28th
percentile by asset size, nationally
21.86%
Tier 1 ratio - above the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 105 · AR B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2635/4307
  • PHOTO-FINISH Clinton Bank · KY
  • TIER1-WELL 21.9% Tier 1
  • TEXAS-HEALTHY 19.7% Texas
  • ROA-PAR 1.11% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Clinton Bank, KY (±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 Bank of Cave City

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Cave City · AR · thi…74/100Clinton Bank · KY · near74/100Ireland Bank · ID · near74/100The Peoples Bank, Bi… · MS ·…74/100The State Bank of Ge… · IL ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Cave City · July 2026

What Bank of Cave City's Call Report plate shows

Bank of Cave City (FDIC Cert #105) carries a PlainBankData health grade of B at 74/100, 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 #2,635 of 4,307. Tier 1 capital prints at 21.86%, clearing the 10% well-capitalized line. The Texas Ratio is 19.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.11%. Balance-sheet scale is $190M, 3,083rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Clinton Bank (KY), 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 Bank of Cave City

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

Bank of Cave City'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; Bank of Cave City 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 Bank of Cave City's 74/100 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 avg77/10074/100
Bank of Cave City's composite health score
Tier 1 Capital Ratio (21.86%) 40/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (19.66%) 10/20
Efficiency Ratio (75.66%) 4/15

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

Balance sheet at a glance

Total Assets

$190M

Total balance-sheet footings

Total Deposits

$167M

Customer-funded liabilities

Net Loans

$123M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.46% 21.86% 23.26%
Basel III capital ratios - Bank of Cave City

Where Bank of Cave City ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Cave City's score of 74/100 falls in the highlighted band.

Bank of Cave City: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 39th percentile higher than 39% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Cave City 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

Bank of Cave City'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). Bank of Cave City's $190M falls in the highlighted band.

Safety ratios for Bank of Cave City

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
21.86%
Texas Ratio
19.66%
Equity Capital
$12M

What these ratios mean →

Earnings posture at Bank of Cave City

Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
20.11%
Efficiency Ratio
75.66%

What these mean →

Income & expense at Bank of Cave City

$11M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Cave City reports a Texas Ratio of 19.66% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

19.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Cave City 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($190M here), outside Arkansas so the neighborhood is not state containment.

Highlands Community Bank $190M · VA The Gifford State Bank $190M · IL Savannah Bank $189M · NY The Tipton Latham Bank $190M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Cave City (FDIC Cert #105) - 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.

Bank of Cave City 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%
Arvest BankFayetteville $27.8B C 0.49%
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%