Arvest Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Arvest Bank spends more to run itself than most banks of its size. Its balance sheet stood at $28.1 billion at June 30, 2026, up 2.6% from a year earlier; it is based in Fayetteville, Arkansas. It earns about $0.53 a year on every $100 of assets, about a third the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $893 million equal 34% of Tier 1 capital, down from 40% a year earlier. Net income for the quarter rose 24% from a year earlier, to $38 million. Where it has less room is capital: it holds common equity equal to 11.45% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 12.98%).
As of June 30, 2026, Arvest Bank reported a CET1 capital ratio of 11.45%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 8.42%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 75 N East Ave, Fayetteville, AR 72701
- County
- Washington
- Metro Area
- Fayetteville-Springdale-Rogers, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1871
- Former names
- McIlroy Bank & Trust (1976-2001)
- Offices
- 229 domestic
- Employees (FTE)
- 6,087
- Domestic deposits
- $24.60B
- Allowance for credit losses
- $220.0M
- Net charge-offs (YTD)
- $37.4M
- Average total assets
- $28.87B
- Average total loans
- $20.14B
- Average interest-bearing deposits
- $23.61B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8728
- Fed RSSD
- 311845
- Website
- www.arvest.com →
- Parent Holding Company
- ARVEST BANK GROUP, INC. (RSSD 1095674)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Arvest Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Arvest Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Arvest Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.45% | 0.53% | 0.86% | 8.42% | 3.93% |
| Q1 2026 | 11.54% | 0.53% | 0.90% | 8.80% | 3.87% |
| Q4 2025 | 11.41% | 0.58% | 0.82% | 8.28% | 3.92% |
| Q3 2025 | 11.31% | 0.57% | 0.83% | 8.79% | 3.89% |
| Q2 2025 | 11.23% | 0.44% | 0.87% | 9.16% | 3.77% |
| Q1 2025 | 11.23% | 0.30% | 0.81% | 8.45% | 3.61% |
| Q4 2024 | 11.21% | 0.02% | 0.81% | 8.90% | 3.56% |
| Q3 2024 | 11.30% | 0.22% | 0.76% | 7.75% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 225 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bentonville Square Branch | Bentonville , AR | 72712 | $2.12B |
| 500 Broadway Place Branch | Little Rock , AR | 72201 | $712.1M |
| Tulsa Downtown Branch | Tulsa , OK | 74103 | $646.1M |
| Pinnacle Branch | Rogers , AR | 72758 | $516.5M |
| Financial Center Branch | Bentonville , AR | 72712 | $414.7M |
| Joyce Branch | Fayetteville , AR | 72703 | $382.0M |
| Siloam Springs Main Branch | Siloam Springs , AR | 72761 | $306.2M |
| Tower Branch | Bartlesville , OK | 74003 | $305.2M |
| Emma Branch | Springdale , AR | 72764 | $302.6M |
| Parklane Branch | Fort Smith , AR | 72903 | $281.8M |
| Superior Bank, Fsb Branch | Fort Smith , AR | 72903 | $277.2M |
| Rogers Downtown Branch | Rogers , AR | 72756 | $276.8M |
| Cache Road Branch | Lawton , OK | 73505 | $205.3M |
| Lowell Branch | Lowell , AR | 72745 | $202.4M |
| Crossover Branch | Fayetteville , AR | 72703 | $201.9M |
| Shawnee Main Branch | Shawnee , OK | 74801 | $200.9M |
| Arvest Bank (main office) | Fayetteville , AR | 72701 | $200.5M |
| Mission Branch | Mission , KS | 66202 | $200.4M |
| Wedington Branch | Fayetteville , AR | 72704 | $190.8M |
| Hot Springs Main Branch | Hot Springs , AR | 71913 | $190.1M |
| Village South Branch | Tulsa , OK | 74137 | $188.7M |
| Farmington Branch | Farmington , AR | 72730 | $186.6M |
| Dixieland Branch | Rogers , AR | 72756 | $185.0M |
| Bryant Branch | Bryant , AR | 72022 | $180.9M |
| Garnett Branch | Tulsa , OK | 74146 | $180.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Structure Change | Acquired Arvest Bank Operations, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2026 | M&A | Acquired Arvest Bank Operations, Inc. merger for the acquired bank | SEC |
| October 31, 2022 | M&A | Acquired Arvest Central Mortgage Company merger for the acquired bank | SEC |
| October 31, 2022 | Structure Change | Acquired Arvest Central Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 2018 | M&A | Acquired Bear State Bank merger for the acquired bank | SEC |
| April 21, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2018 | Structure Change | Acquired Bear State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 27, 2015 | M&A | Acquired Arvest Mortgage Company merger for the acquired bank | SEC |
| June 27, 2015 | Structure Change | Acquired Arvest Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2013 | M&A | Acquired National Bank of Arkansas in North Little Rock merger for the acquired bank | SEC |
| December 7, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2013 | Structure Change | Acquired National Bank of Arkansas in North Little Rock Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 29, 2013 | M&A | Acquired another institution merger for the acquired bank | SEC |
| March 29, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 2013 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2012 | Structure Change | Acquired Union Bank In Liquidation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2012 | M&A | Acquired Union Bank In Liquidation merger for the acquired bank | SEC |
| December 12, 2009 | M&A | Acquired Solutionsbank failure_government_assistance_provided for the acquired bank | SEC |
| December 12, 2009 | Structure Change | Acquired Solutionsbank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 11, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 6, 2007 | M&A | Acquired The Caney Valley National Bank merger for the acquired bank | SEC |
| January 6, 2007 | Structure Change | Acquired The Caney Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 5, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2003 | Structure Change | Acquired Superior Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2003 | M&A | Acquired Superior Bank, FSB merger for the acquired bank | SEC |
| December 5, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | M&A | Acquired The Bank of Yellville merger for the acquired bank | SEC |
| July 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Structure Change | Acquired The Bank of Yellville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 14, 2002 | M&A | Acquired Arvest Bank merger for the acquired bank | SEC |
| June 14, 2002 | Structure Change | Acquired Arvest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2002 | M&A | Acquired Arvest Bank merger for the acquired bank | SEC |
| May 17, 2002 | Structure Change | Acquired Arvest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 19, 2002 | M&A | Acquired Arvest State Bank merger for the acquired bank | SEC |
| April 19, 2002 | Structure Change | Acquired Arvest State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2002 | M&A | Acquired Bank of Bentonville merger for the acquired bank | SEC |
| March 8, 2002 | Structure Change | Acquired Bank of Bentonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 8, 2002 | M&A | Acquired Arvest Bank merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Arvest Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 7 against individuals associated with it
- October 23, 2001, Federal Reserve: Civil Money Penalty $10,500: McIlroy Bank and Trust, Fayetteville, AR
- Period: Most recent institution action October 23, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.3% of deposits in AR, rank 1 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20,386 applications, 13,363 loans originated, $3.33B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 55 loans, $14.1M approved, $256K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Arvest Bank
What are Arvest Bank's total assets?
As of the Q2 2026 filing, Arvest Bank reported total assets of $28.05 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Arvest Bank headquartered?
Arvest Bank is headquartered in Fayetteville, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Arvest Bank founded?
Arvest Bank was established in 1871, per the FDIC institution directory.
Is Arvest Bank FDIC-insured?
Yes. Arvest Bank is an FDIC-insured commercial bank (FDIC Certificate #8728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arvest Bank?
Arvest Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Arvest Bank's CET1 capital ratio?
Arvest Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.45% in its Q2 2026 call report, above regulatory requirements.
How many branches does Arvest Bank operate?
Arvest Bank operates 229 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arvest Bank's Texas Ratio?
Arvest Bank's Texas Ratio is 8.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Arvest Bank previously called?
The charter now named Arvest Bank has also operated as McIlroy Bank & Trust (1976-2001), per FDIC structure-change records.
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