Bank of Bearden
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Data as of · sourced from FFIEC call reports. How we update
Bank of Bearden is an FDIC-insured commercial bank headquartered in Bearden, AR, established in 1945 (FDIC certificate 16282), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $67.4M, up 8.9% from Q2 2025, the 77th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 20.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16282
- Headquarters
- Bearden, AR
- Established
- 1945
- Total assets, Q2 2026
- $67.4M
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 20.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 082907493
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Bearden call report
- Holding company
- BEARDEN BANCSHARES, INC.
- Asset rank in state
- 77th of 78 in Arkansas
Bank of Bearden is one of the more profitable banks of its size. Based in Bearden, Arkansas, it had $67 million in assets at June 30, 2026, up 8.9% from a year earlier. It returns 19.6% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also pays an average of 0.60% on its deposits and borrowings, about a third the median of 1.53% for banks its size. Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Deposits are coming in faster than loans: over the year loans rose 2.6% and deposits rose 9.5%. Unrealized losses on its securities total $1.3 million, equal to 16% of Tier 1 capital, against 17% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, 9.3 times the median of 26% for banks its size.
As of June 30, 2026, Bank of Bearden reported a CET1 capital ratio of 20.07%, a return on assets of 1.90%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Bank of Bearden ranks as the 77th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.0% to $67.4M, loans rose 2.1% and deposits rose 9.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 49.0% of total loans, followed by 1-4 family residential loans at 24.5%. Its one office in the FDIC Summary of Deposits is in Bearden, AR. Judged on its Q2 2026 call report, Bank of Bearden meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 N 2nd St, Bearden, AR 71720
- County
- Ouachita
- Metro Area
- Camden, AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 5, 1945
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $60.8M
- Allowance for credit losses
- $394K
- Net charge-offs (YTD)
- $0
- Average total assets
- $68.4M
- Average total loans
- $30.4M
- Average interest-bearing deposits
- $22.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 5, 1945
- FDIC Cert
- 16282
- Fed RSSD
- 311144
- Website
- www.bankofbearden.com →
- Parent Holding Company
- BEARDEN BANCSHARES, INC. (RSSD 2993722)
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
Bank of Bearden's total assets moved between a low of $54.9M (Q3 2025) and a high of $69.0M (Q2 2024) 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
$67.4M total assets against $61.9M; $60.8M total liabilities against $55.5M.
$30.7M net loans and leases against $29.9M; $60.8M total deposits against $55.5M.
$22.3M securities against $18.8M; $13.9M cash and balances due against $12.8M.
$747K total interest income against $719K; $87K total interest expense against $96K.
$660K net interest income against $623K.
$11K total noninterest income against $38K; $346K total noninterest expense against $340K.
$0 provision for credit losses against $0.
$325K net income against $321K.
1.90% return on assets against 2.07%; 4.34% net interest margin against 4.32%.
20.07% CET1 capital ratio; 11.29% tier 1 leverage ratio against 12.25%.
Inside the full Bank of Bearden 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.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q4 2025) to 2.25% (Q3 2024) and its net interest margin ran from 4.16% (Q1 2025) to 4.48% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.07% | 1.90% | 0.00% | 0.00% | 4.34% |
| Q1 2026 | — | 2.07% | 0.00% | 0.00% | 4.23% |
| Q4 2025 | — | 1.30% | 0.00% | 0.00% | 4.28% |
| Q3 2025 | 21.70% | 1.81% | 0.00% | 0.00% | 4.36% |
| Q2 2025 | — | 2.07% | 0.01% | 0.04% | 4.32% |
| Q1 2025 | — | 1.91% | 0.72% | 3.31% | 4.16% |
| Q4 2024 | — | 1.54% | 0.00% | 0.02% | 4.48% |
| Q3 2024 | — | 2.25% | 0.01% | 0.03% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Bearden (main office) | Bearden , AR | 71720 | $60.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AR, rank 99 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Bearden
What are Bank of Bearden's total assets?
As of the Q2 2026 filing, Bank of Bearden reported total assets of $67.4 million in its FFIEC call report.
Where is Bank of Bearden headquartered?
It is headquartered in Bearden, AR, United States.
When was Bank of Bearden founded?
It was established in 1945, per the FDIC institution directory.
Is Bank of Bearden FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Bearden?
Bank of Bearden's primary federal regulator is the FDIC.
What is Bank of Bearden's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Bearden operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Bearden's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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