SMACKOVER STATE BANK

SMACKOVER, AR | Small | Est. April 18, 1928, midnight | FDIC #5623 | RSSD #676049 | FDIC
Latest Report: 2025-12-31

SMACKOVER STATE BANK is asn small FDIC-insured commercial bank headquartered in SMACKOVER, AR, established in April 18, 1928, midnight. As of 2025-12-31, the bank reported total assets of $251M and total deposits of $206M. Profitability stands at 1.23% ROA and 12.52% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 9.95%. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 5.24%. FDIC Certificate #5623.

Assets

$251M

Deposits

$206M

Loans

$173M

Equity

$25M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 12.52%
Net Interest Margin (NIM) 3.15%
Yield on Assets 5.59%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.24%
NPA Ratio 0.55%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 9.95%
Tier 1 Capital 9.95%
Total Capital Ratio 10.45%
Leverage Ratio 10.57%
Loan-to-Deposit 84.35%

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