BANK OF BEARDEN

BEARDEN, AR | Micro | Est. July 5, 1945, midnight | FDIC #16282 | RSSD #311144 | FDIC
Latest Report: 2025-12-31

BANK OF BEARDEN is amn micro FDIC-insured commercial bank headquartered in BEARDEN, AR, established in July 5, 1945, midnight. As of 2025-12-31, the bank reported total assets of $60M and total deposits of $53M. Profitability stands at 1.25% ROA and 10.73% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #16282.

Assets

$60M

Deposits

$53M

Loans

$31M

Equity

$7M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 10.73%
Net Interest Margin (NIM) 4.19%
Yield on Assets 4.84%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 11.55%
Leverage Ratio 13.70%
Loan-to-Deposit 58.54%

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