Bank of Bearden: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.52 percentage points lower than in Q1 2026, at 51.13%. Bank of Bearden ranks 13th of 78 Arkansas banks on return on assets, in the upper half at 1.90% (Q2 2026). Bank of Bearden's return on assets of 1.90% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.07% |
| Tier 1 risk-based capital ratio | 20.07% |
| Total risk-based capital ratio | 21.10% |
| Tier 1 leverage ratio | 11.29% |
| Equity capital to assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 19.64% |
| Net interest margin | 4.34% |
| Efficiency ratio | 50.86% |
| Yield on earning assets | 4.90% |
| Cost of funds | 0.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.13% |
| Core deposits to total deposits | 91.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.16% |
| Securities to assets | 33.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.36% | 2.67% |
| Q4 2023 | — | — | — | 10.62% | 1.80% |
| Q1 2024 | 19.33% | 19.33% | 20.31% | 11.27% | 2.17% |
| Q2 2024 | 19.50% | 19.50% | 20.47% | 10.81% | 2.37% |
| Q3 2024 | — | — | — | 11.43% | 2.25% |
| Q4 2024 | — | — | — | 12.47% | 1.54% |
| Q1 2025 | — | — | — | 12.53% | 1.91% |
| Q2 2025 | — | — | — | 12.25% | 2.07% |
| Q3 2025 | 21.70% | 21.70% | 22.80% | 13.12% | 1.81% |
| Q4 2025 | — | — | — | 13.70% | 1.30% |
| Q1 2026 | — | — | — | 12.78% | 2.07% |
| Q2 2026 | 20.07% | 20.07% | 21.10% | 11.29% | 1.90% |
Bank of Bearden vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bearden, 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 Bearden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16282) · FFIEC NIC profile (RSSD 311144)