Bank of 1889: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 11.16 percentage points in Q3 2026, from 134.26% to 123.10%. It was the largest change from Q2 2026 among the key lines here. Among 78 Arkansas banks, Bank of 1889 sits 7th from the top on return on assets, 2.14% as of Q3 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of 1889 reported 2.14% on return on assets in Q3 2026, 0.88 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 11.17% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.29% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 123.10% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 19.36% |
| Net interest margin | 5.95% |
| Efficiency ratio | 63.07% |
| Yield on earning assets | 6.88% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 88.15% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.83% |
| Securities to assets | 6.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 10.13% | 2.09% | 5.80% | 0.58% | 0.17% |
| Q1 2024 | 10.83% | 1.98% | 5.99% | 0.87% | 0.03% |
| Q2 2024 | 10.83% | 2.34% | 6.30% | 1.18% | 0.14% |
| Q3 2024 | 11.31% | 2.38% | 6.35% | 1.26% | 0.06% |
| Q4 2024 | 10.83% | 1.55% | 6.27% | 1.31% | 0.12% |
| Q1 2025 | 11.45% | 2.04% | 6.19% | 1.18% | 0.14% |
| Q2 2025 | 11.43% | 2.19% | 6.28% | 0.97% | 0.08% |
| Q3 2025 | 11.69% | 2.18% | 6.38% | 0.95% | 0.15% |
| Q4 2025 | 10.81% | 1.65% | 6.23% | 0.71% | 0.26% |
| Q1 2026 | 11.10% | 1.88% | 5.91% | 0.94% | 0.15% |
| Q2 2026 | 10.85% | 2.14% | 6.02% | 0.84% | 0.20% |
| Q3 2026 | 11.24% | 2.14% | 5.95% | 0.91% | 0.04% |
Bank of 1889 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 1889, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of 1889 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3854) · FFIEC NIC profile (RSSD 864846)