Bank of 1889: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of 1889 earns an unusually wide margin on its lending. The Berryville, Arkansas bank had $339 million in assets at June 30, 2026, up 10.4% from a year earlier. It keeps 6.02 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.98% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 5.1% and deposits rose 11.0%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.84% of loans, down from 1.05% a year earlier.
As of June 30, 2026, Bank of 1889 reported a return on assets of 2.14%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 5.84%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 305 Public Sq, Berryville, AR 72616
- County
- Carroll
- 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 051
- Established
- February 18, 1889
- Former names
- First National Bank of North Arkansas (2011-2022); The First National Bank of Berryville (1991-2011); The First National Bank of Berryville and Eureka Springs (1990-1991)
- Offices
- 12 domestic
- Employees (FTE)
- 93
- Domestic deposits
- $298.8M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $225K
- Average total assets
- $339.9M
- Average total loans
- $262.0M
- Average interest-bearing deposits
- $247.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3854
- Fed RSSD
- 864846
- Website
- www.1889.bank →
- Parent Holding Company
- FIRST CARROLL BANKSHARES (RSSD 2197548)
- Ultimate Parent
- RSSD 2027412
Profitability
Q2 annualizedBalance 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. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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 1889 terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 2.14% | 0.84% | 5.84% | 6.02% |
| Q1 2026 | 11.10% | 1.88% | 0.94% | 6.40% | 5.91% |
| Q4 2025 | 10.81% | 1.65% | 1.00% | 7.07% | 6.23% |
| Q3 2025 | 11.69% | 2.18% | 1.11% | 7.50% | 6.38% |
| Q2 2025 | 11.43% | 2.19% | 1.05% | 7.14% | 6.28% |
| Q1 2025 | 11.45% | 2.04% | 1.58% | 10.60% | 6.19% |
| Q4 2024 | 10.83% | 1.55% | 1.85% | 13.28% | 6.27% |
| Q3 2024 | 11.31% | 2.38% | 1.27% | 8.14% | 6.35% |
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 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of 1889 (main office) | Berryville , AR | 72616 | $133.9M |
| Marshall Branch | Marshall , AR | 72650 | $44.8M |
| First National Bank of Arkansas | Harrison , AR | 72601 | $31.2M |
| Eureka Springs Office | Eureka Springs , AR | 72632 | $27.4M |
| Huntsville Branch | Huntsville , AR | 72740 | $21.1M |
| Elkins Branch | Elkins , AR | 72727 | $10.8M |
| Green Forest Branch | Green Forest , AR | 72638 | $9.3M |
| West 62 Branch | Berryville , AR | 72616 | $8.8M |
| Yellville Branch | Yellville , AR | 72687 | $7.4M |
| Harrison Branch | Harrison , AR | 72601 | $4.1M |
| Western Grove Itm Branch | Western Grove , AR | 72685 | $0 |
| Carroll Center Branch | Berryville , AR | 72616 | $0 |
Regulatory record
What the public regulatory sources show for Bank of 1889, 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
- 0.3% of deposits in AR, rank 56 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 193 applications, 177 loans originated, $31.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $162K approved, $162K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 1889
What are Bank of 1889's total assets?
As of the Q2 2026 filing, Bank of 1889 reported total assets of $339.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of 1889 headquartered?
Bank of 1889 is headquartered in Berryville, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of 1889 founded?
Bank of 1889 was established in 1889, per the FDIC institution directory.
Is Bank of 1889 FDIC-insured?
Yes. Bank of 1889 is an FDIC-insured commercial bank (FDIC Certificate #3854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of 1889?
Bank of 1889's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Bank of 1889 operate?
Bank of 1889 operates 12 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 1889's Texas Ratio?
Bank of 1889's Texas Ratio is 5.84% 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 Bank of 1889 previously called?
The charter now named Bank of 1889 has also operated as First National Bank of North Arkansas (2011-2022), The First National Bank of Berryville (1991-2011), The First National Bank of Berryville and Eureka Springs (1990-1991), per FDIC structure-change records.
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