Total Assets
$82M
Total balance-sheet footings
FDIC Cert #15547 · Lake Village, Arkansas · Est. 1934
Bank of Lake Village - FDIC Bank Health Profile
A community-scale look at Bank of Lake Village's own numbers, pulled straight from its quarterly FDIC Call Report.
- $82M
- Total assets
- A
- Health grade · Excellent
- 1.26%
- Return on assets
- 26.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Lake Village earns a PlainBankData health grade of A (84/100), with well-capitalized at 26.08% Tier 1, profitable at 1.26% ROA, 61% efficiency ratio.
- #3,887
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 26.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- 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.
How Bank of Lake Village's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Lake Village's composite health score
Tier 1 Capital Ratio (26.08%) 40/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (5.04%) 16/20
Efficiency Ratio (60.56%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$68M
Customer-funded liabilities
Net Loans
$43M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Lake Village ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Lake Village's score of 84/100 falls in the highlighted band.
Bank of Lake Village'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 Lake Village's $82M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
26.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
26.08%
Texas Ratio
5.04%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
8.36%
Efficiency Ratio
60.56%
What the numbers say about Bank of Lake Village
Bank of Lake Village is an FDIC-insured institution (Certificate #15547) headquartered in Lake Village, Arkansas, established in 1934. It holds $82M in total assets - 3,887th of 4,313 FDIC-insured banks, $68M in customer deposits, and $43M in net loans. Its capital position: a Tier 1 ratio of 26.08%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.04% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Lake Village is a community-scale institution -- 74th of 78 FDIC-insured banks headquartered in Arkansas by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$154K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Lake Village reports a Texas Ratio of 5.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Lake Village (FDIC Cert #15547) - 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.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Lake Village's health grade?▼
Bank of Lake Village receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Lake Village?▼
Bank of Lake Village holds $82M in total assets and $68M in deposits, ranking 3,887th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lake Village, Arkansas.
Is my money safe at Bank of Lake Village?▼
Yes, deposits at Bank of Lake Village (Certificate #15547) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Lake Village's Tier 1 Capital Ratio?▼
Bank of Lake Village has a Tier 1 Capital Ratio of 26.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Lake Village?▼
Bank of Lake Village has a Texas Ratio of 5.04%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Lake Village?▼
Bank of Lake Village has an Efficiency Ratio of 60.56%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Lake Village's profile as a depositor or analyst.
- Bank of Lake Village's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Lake Village against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.