Bank of Cave City: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Cave City operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $194 million at June 30, 2026, up 1.8% from a year earlier; it is based in Cave City, Arkansas. It funds 8.38% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 19.3% of the capital and reserves that would absorb them, 7.3 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $388,000 was 36% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.9 million equal 30% of Tier 1 capital, down from 35% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bank of Cave City reported a CET1 capital ratio of 20.62%, a return on assets of 0.80%, a nonperforming-loan ratio of 1.62% and a Texas ratio of 19.31%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 137 S Main St, Cave City, AR 72521
- County
- Sharp
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1906
- Offices
- 5 domestic
- Employees (FTE)
- 48
- Domestic deposits
- $171.9M
- Allowance for credit losses
- $849K
- Net charge-offs (YTD)
- $78K
- Average total assets
- $194.5M
- Average total loans
- $127.8M
- Average interest-bearing deposits
- $148.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 105
- Fed RSSD
- 629148
- SEC CIK
- 1866648 → filed by SHARP BANCSHARES, INC.
- Website
- www.bankofcavecity.com →
- Parent Holding Company
- SHARP BANCSHARES, INC. (RSSD 1099663)
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 Bank of Cave City terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Cave City, freeBank of Cave City 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.
Metric pages for Bank of Cave City: Texas 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 | 20.62% | 0.80% | 1.62% | 19.31% | 4.23% |
| Q1 2026 | 20.12% | 0.76% | 1.83% | 20.90% | 4.15% |
| Q4 2025 | 21.86% | 0.98% | 1.99% | 21.78% | 4.38% |
| Q3 2025 | 21.49% | 1.20% | 2.13% | 24.64% | 4.15% |
| Q2 2025 | 21.27% | 1.26% | 1.62% | 20.69% | 4.18% |
| Q1 2025 | 20.09% | 1.00% | 1.25% | 17.57% | 3.81% |
| Q4 2024 | 20.48% | 0.94% | 1.15% | 17.76% | 3.80% |
| Q3 2024 | 20.10% | 0.83% | 1.01% | 13.78% | 3.64% |
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 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Cave City (main office) | Cave City , AR | 72521 | $76.8M |
| Bank of Cave City-Batesville Branch | Batesville , AR | 72501 | $42.0M |
| Lynn Branch | Lynn , AR | 72440 | $32.1M |
| Evening Shade Branch | Evening Shade , AR | 72532 | $12.6M |
| Strawberry Branch | Strawberry , AR | 72469 | $8.3M |
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 |
|---|---|---|---|
| March 8, 2003 | Structure Change | Acquired Bank of Evening Shade Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Bank of Cave City, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AR, rank 74 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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 Bank of Cave City
What are Bank of Cave City's total assets?
As of the Q2 2026 filing, Bank of Cave City reported total assets of $194.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Cave City headquartered?
Bank of Cave City is headquartered in Cave City, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Cave City founded?
Bank of Cave City was established in 1906, per the FDIC institution directory.
Is Bank of Cave City FDIC-insured?
Yes. Bank of Cave City is an FDIC-insured commercial bank (FDIC Certificate #105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Cave City?
Bank of Cave City'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 Bank of Cave City's CET1 capital ratio?
Bank of Cave City reported a Common Equity Tier 1 (CET1) capital ratio of 20.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Cave City operate?
Bank of Cave City operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Cave City's Texas Ratio?
Bank of Cave City's Texas Ratio is 19.31% 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.
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