Bank of Cave City
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Data as of · sourced from FFIEC call reports. How we update
Bank of Cave City is an FDIC-insured commercial bank headquartered in Cave City, AR, established in 1906 (FDIC certificate 105), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $194.4M, up 1.8% from Q2 2025, the 65th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 20.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 105
- Headquarters
- Cave City, AR
- Established
- 1906
- Total assets, Q2 2026
- $194.4M
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 20.62%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082903109
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Cave City Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- SHARP BANCSHARES, INC.
- Asset rank in state
- 65th of 78 in Arkansas
Bank of Cave City operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $194 million at June 30, 2026, up 1.8% from a year earlier; it is based in Cave City, Arkansas. It funds 8.38% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 19.3% of the capital and reserves that would absorb them, 7.3 times the median of 2.7% for banks its size.
Earnings fell sharply: quarterly net income of $388,000 was 36% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.9 million equal 30% of Tier 1 capital, down from 35% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bank of Cave City reported a CET1 capital ratio of 20.62%, a return on assets of 0.80%, a nonperforming-loan ratio of 1.62% and a Texas ratio of 19.31%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Bank of Cave City is the 65th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $194.4M, loans rose 5.3% and deposits rose 2.7%. Farmland and other real estate loans made up 43.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 16.6%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in AR; its Cave City office books 45% of its branch deposits. On its Q2 2026 call report, Bank of Cave City meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 137 S Main St, Cave City, AR 72521
- County
- Sharp
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1906
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $171.9M
- Allowance for credit losses
- $849K
- Net charge-offs (YTD)
- $78K
- Average total assets
- $194.5M
- Average total loans
- $127.8M
- Average interest-bearing deposits
- $148.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 105
- Fed RSSD
- 629148
- SEC CIK
- 1866648 → filed by SHARP BANCSHARES, INC.
- Website
- www.bankofcavecity.com →
- Parent Holding Company
- SHARP BANCSHARES, INC. (RSSD 1099663)
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 Cave City's total assets moved between a low of $176.4M (Q3 2023) and a high of $195.5M (Q1 2025) 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
$194.4M total assets against $190.9M; $182.8M total liabilities against $180.3M.
$130.9M net loans and leases against $128.0M; $171.9M total deposits against $168.9M.
$40.3M securities against $36.3M; $8.7M cash and balances due against $12.0M.
$2.8M total interest income against $2.8M; $878K total interest expense against $913K.
$1.9M net interest income against $1.9M.
$394K total noninterest income against $351K; $1.9M total noninterest expense against $1.6M.
$45K provision for credit losses against $3K.
$388K net income against $602K.
0.80% return on assets against 1.26%; 4.23% net interest margin against 4.18%.
20.62% CET1 capital ratio against 21.27%; 8.38% tier 1 leverage ratio against 8.41%.
Inside the full Bank of Cave City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Cave City rankings
Its closest position to the top of a national ranking is 186 of 3,640, for Texas Ratio; its furthest is 3,251 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q1 2026) to 1.26% (Q2 2025) and its net interest margin ran from 3.64% (Q3 2024) to 4.38% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.62% | 0.80% | 1.62% | 19.31% | 4.23% |
| Q1 2026 | 20.12% | 0.76% | 1.83% | 20.90% | 4.15% |
| Q4 2025 | 21.86% | 0.98% | 1.99% | 21.78% | 4.38% |
| Q3 2025 | 21.49% | 1.20% | 2.13% | 24.64% | 4.15% |
| Q2 2025 | 21.27% | 1.26% | 1.62% | 20.69% | 4.18% |
| Q1 2025 | 20.09% | 1.00% | 1.25% | 17.57% | 3.81% |
| Q4 2024 | 20.48% | 0.94% | 1.15% | 17.76% | 3.80% |
| Q3 2024 | 20.10% | 0.83% | 1.01% | 13.78% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Cave City (main office) | Cave City , AR | 72521 | $76.8M |
| Bank of Cave City-Batesville Branch | Batesville , AR | 72501 | $42.0M |
| Lynn Branch | Lynn , AR | 72440 | $32.1M |
| Evening Shade Branch | Evening Shade , AR | 72532 | $12.6M |
| Strawberry Branch | Strawberry , AR | 72469 | $8.3M |
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 |
|---|---|---|---|
| March 8, 2003 | Structure Change | Acquired Bank of Evening Shade Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 74 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Cave City
What are Bank of Cave City's total assets?
As of the Q2 2026 filing, Bank of Cave City reported total assets of $194.4 million in its FFIEC call report.
Where is Bank of Cave City headquartered?
It is headquartered in Cave City, AR, United States.
When was Bank of Cave City founded?
It was established in 1906, per the FDIC institution directory.
Is Bank of Cave City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Cave City?
Bank of Cave City's primary federal regulator is the Federal Reserve.
What is Bank of Cave City's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.62% 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 Cave City operate?
It operates 5 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 Cave City's Texas Ratio?
Its Texas Ratio is 19.31% 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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