Arvest Bank
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Data as of · sourced from FFIEC call reports. How we update
Arvest Bank is an FDIC-insured commercial bank headquartered in Fayetteville, AR, established in 1871 (FDIC certificate 8728), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $28.05B, up 2.6% from Q2 2025, the 2nd largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 11.45% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8728
- Headquarters
- Fayetteville, AR
- Established
- 1871
- Total assets, Q2 2026
- $28.05B
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 11.45%
- Domestic offices
- 228 FDIC institution directory, current count
- Routing number
- 082900872
- Latest call report
- Q2 2026, FFIEC 041 · Arvest Bank call report
- Holding company
- ARVEST BANK GROUP, INC.
- Asset rank in state
- 2nd of 78 in Arkansas
Arvest Bank spends more to run itself than most banks of its size. Its balance sheet stood at $28.1 billion at June 30, 2026, up 2.6% from a year earlier; it is based in Fayetteville, Arkansas. It earns about $0.53 a year on every $100 of assets, about a third the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $893 million equal 34% of Tier 1 capital, down from 40% a year earlier. Net income for the quarter rose 24% from a year earlier, to $38 million. Where it has less room is capital: it holds common equity equal to 11.45% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 12.98%).
As of June 30, 2026, Arvest Bank reported a CET1 capital ratio of 11.45%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 8.42%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Arvest Bank is the 2nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $28.05B, loans rose 3.2% and deposits fell 0.2%. 1-4 family residential loans made up 33.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.8%. Judged on its Q2 2026 call report, Arvest Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 75 N East Ave, Fayetteville, AR 72701
- County
- Washington
- Metro Area
- Fayetteville-Springdale-Rogers, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1871
- Former names
- McIlroy Bank & Trust (1976-2001)
- Domestic offices
- 228 FDIC institution directory, current count
- Employees (FTE)
- 6,087
- Domestic deposits
- $24.60B
- Allowance for credit losses
- $220.0M
- Net charge-offs (YTD)
- $37.4M
- Average total assets
- $28.87B
- Average total loans
- $20.14B
- Average interest-bearing deposits
- $23.61B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8728
- Fed RSSD
- 311845
- Website
- www.arvest.com →
- Parent Holding Company
- ARVEST BANK GROUP, INC. (RSSD 1095674)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Arvest Bank's total assets ranged from $26.28B (Q2 2024) to $28.05B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$28.05B total assets against $27.35B; $25.69B total liabilities against $25.21B.
$20.25B net loans and leases against $18.91B; $24.60B total deposits against $24.14B.
$5.09B securities against $5.43B; $544.1M cash and balances due against $861.1M.
$341.9M total interest income against $335.3M; $80.7M total interest expense against $92.5M.
$261.2M net interest income against $242.8M.
$127.9M total noninterest income against $131.9M; $311.4M total noninterest expense against $315.0M.
$26.6M provision for credit losses against $20.2M.
$38.5M net income against $31.0M.
0.53% return on assets against 0.44%; 3.93% net interest margin against 3.77%.
11.45% CET1 capital ratio against 11.23%; 9.11% tier 1 leverage ratio against 8.77%.
Inside the full Arvest 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.
Arvest Bank rankings
Its closest position to the top of a national ranking is 76 of 4,196, for total assets; its furthest is 3,226 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.02% (Q4 2024) to 0.58% (Q4 2025) and its net interest margin ran from 3.55% (Q3 2024) to 3.93% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.45% | 0.53% | 0.86% | 8.42% | 3.93% |
| Q1 2026 | 11.54% | 0.53% | 0.90% | 8.80% | 3.87% |
| Q4 2025 | 11.41% | 0.58% | 0.82% | 8.28% | 3.92% |
| Q3 2025 | 11.31% | 0.57% | 0.83% | 8.79% | 3.89% |
| Q2 2025 | 11.23% | 0.44% | 0.87% | 9.16% | 3.77% |
| Q1 2025 | 11.23% | 0.30% | 0.81% | 8.45% | 3.61% |
| Q4 2024 | 11.21% | 0.02% | 0.81% | 8.90% | 3.56% |
| Q3 2024 | 11.30% | 0.22% | 0.76% | 7.75% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 225 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 |
|---|---|---|---|
| Bentonville Square Branch | Bentonville , AR | 72712 | $2.12B |
| 500 Broadway Place Branch | Little Rock , AR | 72201 | $712.1M |
| Tulsa Downtown Branch | Tulsa , OK | 74103 | $646.1M |
| Pinnacle Branch | Rogers , AR | 72758 | $516.5M |
| Financial Center Branch | Bentonville , AR | 72712 | $414.7M |
| Joyce Branch | Fayetteville , AR | 72703 | $382.0M |
| Siloam Springs Main Branch | Siloam Springs , AR | 72761 | $306.2M |
| Tower Branch | Bartlesville , OK | 74003 | $305.2M |
| Emma Branch | Springdale , AR | 72764 | $302.6M |
| Parklane Branch | Fort Smith , AR | 72903 | $281.8M |
| Superior Bank, Fsb Branch | Fort Smith , AR | 72903 | $277.2M |
| Rogers Downtown Branch | Rogers , AR | 72756 | $276.8M |
| Cache Road Branch | Lawton , OK | 73505 | $205.3M |
| Lowell Branch | Lowell , AR | 72745 | $202.4M |
| Crossover Branch | Fayetteville , AR | 72703 | $201.9M |
| Shawnee Main Branch | Shawnee , OK | 74801 | $200.9M |
| Arvest Bank (main office) | Fayetteville , AR | 72701 | $200.5M |
| Mission Branch | Mission , KS | 66202 | $200.4M |
| Wedington Branch | Fayetteville , AR | 72704 | $190.8M |
| Hot Springs Main Branch | Hot Springs , AR | 71913 | $190.1M |
| Village South Branch | Tulsa , OK | 74137 | $188.7M |
| Farmington Branch | Farmington , AR | 72730 | $186.6M |
| Dixieland Branch | Rogers , AR | 72756 | $185.0M |
| Bryant Branch | Bryant , AR | 72022 | $180.9M |
| Garnett Branch | Tulsa , OK | 74146 | $180.4M |
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 |
|---|---|---|---|
| January 1, 2026 | M&A | Acquired Arvest Bank Operations, Inc. merger for the acquired bank | SEC |
| January 1, 2026 | Structure Change | Acquired Arvest Bank Operations, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2022 | Structure Change | Acquired Arvest Central Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2022 | M&A | Acquired Arvest Central Mortgage Company merger for the acquired bank | SEC |
| April 21, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2018 | Structure Change | Acquired Bear State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 2018 | M&A | Acquired Bear State Bank merger for the acquired bank | SEC |
| June 27, 2015 | Structure Change | Acquired Arvest Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 27, 2015 | M&A | Acquired Arvest Mortgage Company merger for the acquired bank | SEC |
| December 7, 2013 | M&A | Acquired National Bank of Arkansas in North Little Rock merger for the acquired bank | SEC |
| December 7, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2013 | Structure Change | Acquired National Bank of Arkansas in North Little Rock Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 29, 2013 | M&A | Acquired another institution merger for the acquired bank | SEC |
| March 29, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 2013 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2012 | M&A | Acquired Union Bank In Liquidation merger for the acquired bank | SEC |
| June 23, 2012 | Structure Change | Acquired Union Bank In Liquidation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 12, 2009 | M&A | Acquired Solutionsbank failure_government_assistance_provided for the acquired bank | SEC |
| December 12, 2009 | Structure Change | Acquired Solutionsbank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 11, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 6, 2007 | M&A | Acquired The Caney Valley National Bank merger for the acquired bank | SEC |
| January 6, 2007 | Structure Change | Acquired The Caney Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 5, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2003 | M&A | Acquired Superior Bank, FSB merger for the acquired bank | SEC |
| December 6, 2003 | Structure Change | Acquired Superior Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Structure Change | Acquired The Bank of Yellville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2003 | M&A | Acquired The Bank of Yellville merger for the acquired bank | SEC |
| June 14, 2002 | M&A | Acquired Arvest Bank merger for the acquired bank | SEC |
| June 14, 2002 | Structure Change | Acquired Arvest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2002 | M&A | Acquired Arvest Bank merger for the acquired bank | SEC |
| May 17, 2002 | Structure Change | Acquired Arvest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 19, 2002 | M&A | Acquired WestStar Bank merger for the acquired bank | SEC |
| April 19, 2002 | Structure Change | Acquired Arvest State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2002 | M&A | Acquired First Arvest Bank merger for the acquired bank | SEC |
| March 8, 2002 | Structure Change | Acquired Bank of Bentonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 8, 2002 | M&A | Acquired Arvest Bank merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 7 against individuals associated with it
- October 23, 2001, Federal Reserve: Civil Money Penalty $10,500: McIlroy Bank and Trust, Fayetteville, AR
- Period: Most recent institution action October 23, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.3% of deposits in AR, rank 1 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20,386 applications, 13,363 loans originated, $3.33B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 55 loans, $14.1M approved, $256K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Arvest Bank
What are Arvest Bank's total assets?
As of the Q2 2026 filing, Arvest Bank reported total assets of $28.05 billion in its FFIEC call report.
Where is Arvest Bank headquartered?
It is headquartered in Fayetteville, AR, United States.
When was Arvest Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Arvest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arvest Bank?
Arvest Bank's primary federal regulator is the Federal Reserve.
What is Arvest Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.45% in its Q2 2026 call report, above regulatory requirements.
How many branches does Arvest Bank operate?
It operates 228 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arvest Bank's Texas Ratio?
Its Texas Ratio is 8.42% 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 Arvest Bank previously called?
The charter now named Arvest Bank has also operated as McIlroy Bank & Trust (1976-2001), per FDIC structure-change records.
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