Total Assets
$245M
Total balance-sheet footings
FDIC Cert #5624 · Stamps, Arkansas · Est. 1903
Bodcaw Bank - FDIC Bank Health Profile
A community-scale look at Bodcaw Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $245M
- Total assets
- B
- Health grade · Good
- 0.94%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bodcaw Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.48% Tier 1, 0.94% ROA, efficient (58% cost ratio).
- #2,757
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 10.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- 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 Bodcaw Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bodcaw Bank's composite health score
Tier 1 Capital Ratio (10.48%) 28/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (13.10%) 16/20
Efficiency Ratio (58.14%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$220M
Customer-funded liabilities
Net Loans
$212M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bodcaw Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bodcaw Bank's score of 70/100 falls in the highlighted band.
Bodcaw Bank'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). Bodcaw Bank's $245M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.48%
Texas Ratio
13.10%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
9.65%
Efficiency Ratio
58.14%
What the numbers say about Bodcaw Bank
Bodcaw Bank is an FDIC-insured institution (Certificate #5624) headquartered in Stamps, Arkansas, established in 1903. It holds $245M in total assets - 2,757th of 4,313 FDIC-insured banks, $220M in customer deposits, and $212M in net loans. On safety, its Tier 1 capital ratio of 10.48% is above the 10% well-capitalized threshold, and its Texas Ratio of 13.10% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Arkansas, Bodcaw Bank ranks 60th of 78 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$818K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bodcaw Bank reports a Texas Ratio of 13.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.10% - 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) Bodcaw Bank (FDIC Cert #5624) - 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 Bodcaw Bank's health grade?▼
Bodcaw Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bodcaw Bank?▼
Bodcaw Bank holds $245M in total assets and $220M in deposits, ranking 2,757th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stamps, Arkansas.
Is my money safe at Bodcaw Bank?▼
Yes, deposits at Bodcaw Bank (Certificate #5624) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bodcaw Bank's Tier 1 Capital Ratio?▼
Bodcaw Bank has a Tier 1 Capital Ratio of 10.48%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bodcaw Bank?▼
Bodcaw Bank has a Texas Ratio of 13.10%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bodcaw Bank?▼
Bodcaw Bank has an Efficiency Ratio of 58.14%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bodcaw Bank's profile as a depositor or analyst.
- Bodcaw Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bodcaw Bank 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.