FDIC Cert #13303 · England, Arkansas · Est. 1898

Bank of England - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$329M
Total assets
C
Health grade · Fair
-0.25%
Return on assets
23.9%
Tier 1 capital

Data updated July 2026

The verdict

Bank of England earns a PlainBankData health grade of C (56/100), with well-capitalized at 23.93% Tier 1, -0.25% ROA, 107% efficiency ratio.

#2,362
largest of 4,313 FDIC banks by assets
45th
percentile by asset size, nationally
23.93%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 13303 · AR C · 56/100

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

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3954/4307
  • PHOTO-FINISH First Exchange Bank · WV
  • TIER1-WELL 23.9% Tier 1
  • TEXAS-CLEAN 5.1% Texas
  • ROA-LOSS -0.25% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: First Exchange Bank, WV (±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 England

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

Morgan Stanley Bank,… · UT ·…100/100Bank of England · AR · this …56/100First Exchange Bank · WV · n…56/100First Lockhart Bank · TX · n…56/100First State Bank of… · MI · …56/100Northern Interstate… · MI · …56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of England · July 2026

What Bank of England's Call Report plate shows

Bank of England (FDIC Cert #13303) carries a PlainBankData health grade of C at 56/100, 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 #3,954 of 4,307. Tier 1 capital prints at 23.93%, clearing the 10% well-capitalized line. The Texas Ratio is 5.11%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.25%. Balance-sheet scale is $329M, 2,362nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Exchange Bank (WV), 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 England

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

Bank of England'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 England 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 England's 56/100 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 avg77/10056/100
Bank of England's composite health score
Tier 1 Capital Ratio (23.93%) 40/40
Return on Assets (ROA) (-0.25%) 0/25
Texas Ratio (5.11%) 16/20
Efficiency Ratio (107.39%) 0/15

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

Balance sheet at a glance

Total Assets

$329M

Total balance-sheet footings

Total Deposits

$249M

Customer-funded liabilities

Net Loans

$97M

Outstanding loan book

Net Income

$-871K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 22.53% 23.93% 25.33%
Basel III capital ratios - Bank of England

Where Bank of England ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of England's score of 56/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% 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. Bank of England 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 England'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 England's $329M falls in the highlighted band.

Safety ratios for Bank of England

Tier 1 capital ratio
Well-capitalized 10%

23.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
23.93%
Texas Ratio
5.11%
Equity Capital
$66M

What these ratios mean →

Profitability metrics: Bank of England

Return on Assets (ROA)
4th percentile nationally
-0.25%
Return on Equity (ROE)
-1.33%
Efficiency Ratio
107.39%

What these mean →

Income & expense: loss period at Bank of England

$15M
Interest Income
$12M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of England reports a Texas Ratio of 5.11% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.11% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Bank of England

Bank of England's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-871K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of England up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Bank of England 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 ($329M here), outside Arkansas so the neighborhood is not state containment.

Cumberland Federal Bank, FSB $329M · WI Commercial National Bank of Texarkana $328M · TX Bank of Kilmichael $329M · MS Security Bank Midwest $328M · SD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of England (FDIC Cert #13303) - 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 England 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%