STONE BANK

MOUNTAIN VIEW, AR | Medium | Est. April 29, 1955, midnight | FDIC #17431 | RSSD #913146 | FED
Latest Report: 2025-12-31

STONE BANK is amn medium FDIC-insured commercial bank headquartered in MOUNTAIN VIEW, AR, established in April 29, 1955, midnight. As of 2025-12-31, the bank reported total assets of $883M and total deposits of $704M. Profitability stands at 0.98% ROA and 12.49% ROE, with a net interest margin of 3.04%. The bank's CET1 capital ratio is 10.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.24% and a Texas Ratio of 13.32%. FDIC Certificate #17431.

Assets

$883M

Deposits

$704M

Loans

$691M

Equity

$71M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 12.49%
Net Interest Margin (NIM) 3.04%
Yield on Assets 6.53%
Cost of Funds 3.53%

Asset Quality

NPL Ratio 1.24%
Net Charge-Off Ratio 0.11%
Texas Ratio 13.32%
NPA Ratio 1.23%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 10.60%
Tier 1 Capital 10.60%
Total Capital Ratio 11.86%
Leverage Ratio 8.25%
Loan-to-Deposit 98.11%

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