BANK OF 1889

BERRYVILLE, AR | Small | Est. Feb. 18, 1889, midnight | FDIC #3854 | RSSD #864846 | FED
Latest Report: 2025-12-31

BANK OF 1889 is asn small FDIC-insured commercial bank headquartered in BERRYVILLE, AR, established in Feb. 18, 1889, midnight. As of 2025-12-31, the bank reported total assets of $331M and total deposits of $292M. Profitability stands at 1.66% ROA and 14.91% ROE, with a net interest margin of 6.43%. The bank's CET1 capital ratio is 10.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 5.06%. FDIC Certificate #3854.

Assets

$331M

Deposits

$292M

Loans

$256M

Equity

$35M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 14.91%
Net Interest Margin (NIM) 6.43%
Yield on Assets 7.40%
Cost of Funds 1.02%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio 0.16%
Texas Ratio 5.06%
NPA Ratio 0.58%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 10.58%
Tier 1 Capital 10.58%
Total Capital Ratio 11.11%
Leverage Ratio 10.81%
Loan-to-Deposit 87.54%

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