Bank of 1889
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Data as of · sourced from FFIEC call reports. How we update
Bank of 1889 is an FDIC-insured commercial bank headquartered in Berryville, AR, established in 1889 (FDIC certificate 3854), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $339.2M, up 10.4% from Q2 2025, the 46th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.85% 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
- 3854
- Headquarters
- Berryville, AR
- Established
- 1889
- Total assets, Q2 2026
- $339.2M
- Assets vs Q2 2025
- +10.4%
- Tier 1 leverage ratio, Q2 2026
- 10.85%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 082902511
- Latest call report
- Q2 2026, FFIEC 051 · Bank of 1889 call report
- Holding company
- FIRST CARROLL BANKSHARES
- Asset rank in state
- 46th of 78 in Arkansas
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of 1889 is the 46th largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $339.2M, loans rose 1.8% and deposits rose 1.5%. 1-4 family residential loans made up 42.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.5%. Its 12 offices in the FDIC Summary of Deposits are in 9 cities in AR; its Berryville 3 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Bank of 1889 meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 12 FDIC institution directory, current count
- 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
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, Bank of 1889 reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of 1889's total assets ran between $287.3M (Q1 2024) and $339.2M (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
$339.2M total assets against $307.4M; $302.2M total liabilities against $272.5M.
$259.6M net loans and leases against $247.0M; $298.8M total deposits against $269.3M.
$16.0M securities against $16.0M; $47.7M cash and balances due against $29.3M.
$5.6M total interest income against $5.1M; $729K total interest expense against $684K.
$4.8M net interest income against $4.5M.
$390K total noninterest income against $362K; $3.3M total noninterest expense against $3.1M.
$125K provision for credit losses against $90K.
$1.8M net income against $1.7M.
2.14% return on assets against 2.19%; 6.02% net interest margin against 6.28%.
10.85% tier 1 leverage ratio against 11.43%.
Inside the full Bank of 1889 terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of 1889 rankings
Its closest position to the top of a national ranking is 366 of 3,611, for ROA; its furthest is 2,131 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.55% (Q4 2024) to 2.38% (Q3 2024) and its net interest margin ran from 5.91% (Q1 2026) to 6.38% (Q3 2025).
| 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
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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, 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 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.
Where is Bank of 1889 headquartered?
It is headquartered in Berryville, AR, United States.
When was Bank of 1889 founded?
It was established in 1889, per the FDIC institution directory.
Is Bank of 1889 FDIC-insured?
Yes. It 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.
How many branches does Bank of 1889 operate?
It 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?
Its Texas Ratio is 5.84% 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 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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