FDIC Cert #91280 · Little Rock, Arkansas · Est. 1927

Bank of Little Rock - 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.
$269M
Total assets
F
Health grade · At Risk
-1.31%
Return on assets
9.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Little Rock earns a PlainBankData health grade of F (34/100), with 9.11% Tier 1 capital, -1.31% ROA, 85% efficiency ratio.

#2,654
largest of 4,313 FDIC banks by assets
38th
percentile by asset size, nationally
9.11%
Tier 1 ratio - below the 10% well-capitalized line
2nd
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 91280 · AR F · 34/100

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

  • GRADE-F F (34/100)
  • BOTTOM-DECILE #4266/4307
  • PHOTO-FINISH Gogebic Range Bank · MI
  • TIER1-ADEQ 9.1% Tier 1
  • TEXAS-CLEAN 5.0% Texas
  • ROA-LOSS -1.31% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Gogebic Range Bank, MI (±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 Little Rock

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

Morgan Stanley Bank,… · UT ·…100/100Pacific West Bank · OR · near35/100Bank of Little Rock · AR · t…34/100Gogebic Range Bank · MI · ne…34/100Slovenian Savings an… · PA ·…34/100The First National B… · OH ·…34/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Little Rock · July 2026

What Bank of Little Rock's Call Report plate shows

Bank of Little Rock (FDIC Cert #91280) carries a PlainBankData health grade of F at 34/100, 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 #4,266 of 4,307. Tier 1 capital prints at 9.11%, missing the 10% well-capitalized line. The Texas Ratio is 5.03%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.31%. Balance-sheet scale is $269M, 2,654th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gogebic Range Bank (MI), 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 Little Rock

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

Bank of Little Rock'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 Little Rock 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 Little Rock's 34/100 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 avg77/10034/100
Bank of Little Rock's composite health score
Tier 1 Capital Ratio (9.11%) 18/40
Return on Assets (ROA) (-1.31%) 0/25
Texas Ratio (5.03%) 16/20
Efficiency Ratio (85.08%) 0/15

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

Balance sheet at a glance

Total Assets

$269M

Total balance-sheet footings

Total Deposits

$245M

Customer-funded liabilities

Net Loans

$129M

Outstanding loan book

Net Income

$-3,760K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.71% 9.11% 10.51%
Basel III capital ratios - Bank of Little Rock

Where Bank of Little Rock ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Little Rock's score of 34/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

34 1st percentile higher than 1% 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%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 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 Little Rock 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 Little Rock'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 Little Rock's $269M falls in the highlighted band.

Safety ratios for Bank of Little Rock

Tier 1 capital ratio
Well-capitalized 10%

9.11% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.11%
Texas Ratio
5.03%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: Bank of Little Rock

Return on Assets (ROA)
2nd percentile nationally
-1.31%
Return on Equity (ROE)
-16.16%
Efficiency Ratio
85.08%

What these mean →

Income & expense: loss period at Bank of Little Rock

$13M
Interest Income
$5M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Little Rock reports a Texas Ratio of 5.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Bank of Little Rock

Bank of Little Rock's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-3,760K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.11% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Little Rock 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 Little Rock 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 ($269M here), outside Arkansas so the neighborhood is not state containment.

Bank of Rantoul $268M · IL Longview Community Bank $268M · IL Bank of Hindman $268M · KY First National Bank of Burleson $269M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Little Rock (FDIC Cert #91280) - 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 Little Rock 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%