Total Assets
$883M
Total balance-sheet footings
FDIC Cert #17431 · Mountain View, Arkansas · Est. 1955
Stone Bank - FDIC Bank Health Profile
A community-scale look at Stone Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $883M
- Total assets
- B
- Health grade · Good
- 1.22%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
Stone Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.60% Tier 1, profitable at 1.22% ROA, efficient (60% cost ratio).
- #1,164
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 10.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 58th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Stone Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Stone Bank's composite health score
Tier 1 Capital Ratio (10.60%) 28/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (11.53%) 16/20
Efficiency Ratio (59.76%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$704M
Customer-funded liabilities
Net Loans
$681M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Stone Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stone Bank's score of 76/100 falls in the highlighted band.
Stone 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). Stone Bank's $883M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.60%
Texas Ratio
11.53%
Equity Capital
$71M
Profitability metrics
Return on Assets (ROA)
58th percentile nationally
1.22%
Return on Equity (ROE)
15.84%
Efficiency Ratio
59.76%
What the numbers say about Stone Bank
Stone Bank is an FDIC-insured institution (Certificate #17431) headquartered in Mountain View, Arkansas, established in 1955. It holds $883M in total assets - 1,164th of 4,313 FDIC-insured banks, $704M in customer deposits, and $681M in net loans. Its capital position: a Tier 1 ratio of 10.60%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.53% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Stone Bank sits 25th of 78 banks headquartered in Arkansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$51M
Interest Income
$15M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Stone Bank reports a Texas Ratio of 11.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.53% - 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) Stone Bank (FDIC Cert #17431) - 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 Stone Bank's health grade?▼
Stone Bank receives a health grade of B (76/100) 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 Stone Bank?▼
Stone Bank holds $883M in total assets and $704M in deposits, ranking 1,164th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mountain View, Arkansas.
Is my money safe at Stone Bank?▼
Yes, deposits at Stone Bank (Certificate #17431) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Stone Bank's Tier 1 Capital Ratio?▼
Stone Bank has a Tier 1 Capital Ratio of 10.60%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Stone Bank?▼
Stone Bank has a Texas Ratio of 11.53%. 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 Stone Bank?▼
Stone Bank has an Efficiency Ratio of 59.76%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Stone Bank's profile as a depositor or analyst.
- Stone Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Stone 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.