Armor Bank
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Data as of · sourced from FFIEC call reports. How we update
Armor Bank is an FDIC-insured commercial bank headquartered in Forrest City, AR, established in 1919 (FDIC certificate 28812), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $516.9M, up 10.3% from Q2 2025, the 39th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 28812
- Headquarters
- Forrest City, AR
- Established
- 1919
- Total assets, Q2 2026
- $516.9M
- Assets vs Q2 2025
- +10.3%
- Tier 1 leverage ratio, Q2 2026
- 9.40%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 284170141
- Latest call report
- Q2 2026, FFIEC 051 · Armor Bank call report
- Holding company
- FORREST CITY FINANCIAL CORPORATION
- Asset rank in state
- 39th of 78 in Arkansas
Armor Bank leans heavily on commercial real estate. The Forrest City, Arkansas bank had $517 million in assets at June 30, 2026, up 10.3% from a year earlier. It holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.40% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.2 million, 41% above the same quarter a year earlier. Unrealized losses on its securities total $7.0 million, equal to 15% of Tier 1 capital, against 19% a year earlier. One more trend to watch: delinquency has appeared in its $60 million non-owner-occupied commercial real estate book: 0.97% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Armor Bank reported a return on assets of 0.96%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 3.51%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Armor Bank is the 39th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.5% to $516.9M, loans rose 6.3% and deposits rose 1.3%. 1-4 family residential loans made up 31.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.8%. Its 12 offices in the FDIC Summary of Deposits are in 9 cities in AR; its Forrest City 2 offices book 19% of its branch deposits. Judged on its Q2 2026 call report, Armor Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 715 N Washington St, Forrest City, AR 72335
- County
- St. Francis
- Metro Area
- Forrest City, AR
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- Armor Bank, National Association (2017-2018); Forrest City Bank, National Association (1997-2017); Forrest City Bank, FSB (1995-1997); Forrest City Savings and Loan Association, F.A. (1994-1995)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $460.5M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $495.4M
- Average total loans
- $383.8M
- Average interest-bearing deposits
- $372.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28812
- Fed RSSD
- 168571
- Website
- www.armor.bank →
- Parent Holding Company
- FORREST CITY FINANCIAL CORPORATION (RSSD 2501305)
- Ultimate Parent
- BIG CREEK BANCSHARES, INC (RSSD 5046816)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Armor Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Armor Bank's total assets moved between a low of $433.2M (Q4 2023) and a high of $516.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$516.9M total assets against $468.8M; $473.2M total liabilities against $429.8M.
$390.0M net loans and leases against $359.8M; $460.5M total deposits against $427.7M.
$55.4M securities against $49.2M; $29.0M cash and balances due against $20.5M.
$7.2M total interest income against $6.4M; $2.4M total interest expense against $2.5M.
$4.8M net interest income against $3.9M.
$470K total noninterest income against $455K; $3.6M total noninterest expense against $3.4M.
$200K provision for credit losses against $90K.
$1.2M net income against $848K.
0.96% return on assets against 0.73%; 4.15% net interest margin against 3.59%.
9.40% tier 1 leverage ratio against 9.15%.
Inside the full Armor Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Armor Bank rankings
Its closest position to the top of a national ranking is 1,735 of 4,196, for total assets; its furthest is 2,644 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q3 2024) to 0.96% (Q2 2026) and its net interest margin ran from 2.99% (Q3 2024) to 4.25% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.40% | 0.96% | 0.41% | 3.51% | 4.15% |
| Q1 2026 | 9.32% | 0.82% | 0.00% | 0.00% | 3.86% |
| Q4 2025 | 9.12% | 0.64% | 0.16% | 1.33% | 4.06% |
| Q3 2025 | 9.17% | 0.94% | 0.16% | 1.42% | 4.25% |
| Q2 2025 | 9.15% | 0.73% | 0.17% | 1.58% | 3.59% |
| Q1 2025 | 9.02% | 0.48% | 0.02% | 0.20% | 3.31% |
| Q4 2024 | 8.85% | 0.46% | 0.02% | 0.20% | 3.25% |
| Q3 2024 | 8.33% | 0.21% | 0.00% | 0.00% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Armor Bank (main office) | Forrest City , AR | 72335 | $88.8M |
| Marianna Branch | Marianna , AR | 72360 | $83.9M |
| Jonesboro Branch | Jonesboro , AR | 72401 | $54.4M |
| First Delta Branch | Marked Tree , AR | 72365 | $52.9M |
| Rogers Branch | Rogers , AR | 72758 | $47.2M |
| Cantrell Branch | Little Rock , AR | 72207 | $41.1M |
| Little Rock Branch | Little Rock , AR | 72202 | $29.3M |
| Hot Springs Branch | Hot Springs , AR | 71913 | $28.9M |
| Trumann Branch | Trumann , AR | 72472 | $16.4M |
| Tyronza Branch | Tyronza , AR | 72386 | $12.1M |
| Chenal Branch | Little Rock , AR | 72223 | $5.5M |
| Express Bank Branch | Forrest City , AR | 72335 | $1K |
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 |
|---|---|---|---|
| November 25, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2019 | Structure Change | Acquired First Delta Bank 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- April 25, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Forrest City Bank, National Association
- February 17, 2010, OCC: Formal Agreement: Forrest City Bank, National Association
- August 5, 2003, OCC: Formal Agreement: Forrest City Bank, National Association
- Period: Most recent institution action April 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in AR, rank 44 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $476K approved, $476K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Armor Bank
What are Armor Bank's total assets?
As of the Q2 2026 filing, Armor Bank reported total assets of $516.9 million in its FFIEC call report.
Where is Armor Bank headquartered?
It is headquartered in Forrest City, AR, United States.
When was Armor Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Armor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Armor Bank?
Armor Bank's primary federal regulator is the Federal Reserve.
How many branches does Armor Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Armor Bank's Texas Ratio?
Its Texas Ratio is 3.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Armor Bank previously called?
The charter now named Armor Bank has also operated as Armor Bank, National Association (2017-2018), Forrest City Bank, National Association (1997-2017), Forrest City Bank, FSB (1995-1997), Forrest City Savings and Loan Association, F.A. (1994-1995), per FDIC structure-change records.
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