Bodcaw Bank
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Data as of · sourced from FFIEC call reports. How we update
Bodcaw Bank is an FDIC-insured commercial bank headquartered in Stamps, AR, established in 1903 (FDIC certificate 5624), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $247.3M, up 3.5% from Q2 2025, the 60th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5624
- Headquarters
- Stamps, AR
- Established
- 1903
- Total assets, Q2 2026
- $247.3M
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 10.89%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082904360
- Holding company
- BODCAW BANCSHARES, INC.
- Asset rank in state
- 60th of 78 in Arkansas
Bodcaw Bank pays more for its money than most banks of its size. Its balance sheet stood at $247 million at June 30, 2026, up 3.5% from a year earlier; it is based in Stamps, Arkansas. It pays an average of 2.60% on its deposits and borrowings, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 12.1% of the capital and reserves that would absorb them, 4.6 times the median of 2.6% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.38% of loans from 2.38%. Its $53 million commercial and industrial book is improving, with 1.66% past due or on nonaccrual, down from 5.43% a year earlier.
As of June 30, 2026, Bodcaw Bank reported a return on assets of 1.17%, a nonperforming-loan ratio of 1.38% and a Texas ratio of 12.10%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Bodcaw Bank is the 60th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $247.3M, loans fell 4.0% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.5% of total loans, followed by commercial and industrial loans at 25.7%. The FDIC Summary of Deposits lists 3 offices for it, in Stamps, AR, Magnolia, AR and Texarkana, TX; its Stamps office books 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bodcaw Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 307 Thomas St, Stamps, AR 71860
- County
- Lafayette
- 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
- January 1, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $220.4M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $251.8M
- Average total loans
- $207.7M
- Average interest-bearing deposits
- $189.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5624
- Fed RSSD
- 942847
- Website
- www.bodcaw.bank →
- Parent Holding Company
- BODCAW BANCSHARES, INC. (RSSD 2712781)
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, Bodcaw Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bodcaw Bank's total assets ranged from $232.0M (Q3 2023) to $251.0M (Q1 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
$247.3M total assets against $238.9M; $221.1M total liabilities against $215.4M.
$204.2M net loans and leases against $205.5M; $220.4M total deposits against $212.0M.
$16.4M securities against $18.9M; $19.4M cash and balances due against $8.0M.
$4.1M total interest income against $4.1M; $1.4M total interest expense against $1.5M.
$2.7M net interest income against $2.5M.
$214K total noninterest income against $218K; $1.8M total noninterest expense against $1.5M.
$200K provision for credit losses against $225K.
$737K net income against $801K.
1.17% return on assets against 1.34%; 4.62% net interest margin against 4.39%.
10.89% tier 1 leverage ratio against 10.47%.
Inside the full Bodcaw Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBodcaw Bank rankings
Its closest position to the top of a national ranking is 469 of 3,640, for Texas Ratio; its furthest is 2,717 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.01% (Q3 2025) to 1.36% (Q4 2025) and its net interest margin ran from 4.01% (Q3 2024) to 4.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.89% | 1.17% | 1.38% | 12.10% | 4.62% |
| Q1 2026 | 10.66% | 1.22% | 1.04% | 10.41% | 4.45% |
| Q4 2025 | 10.48% | 1.36% | 1.65% | 15.49% | 4.39% |
| Q3 2025 | 10.18% | 0.01% | 1.53% | 14.11% | 4.37% |
| Q2 2025 | 10.47% | 1.34% | 2.38% | 19.00% | 4.39% |
| Q1 2025 | 10.24% | 1.02% | 1.66% | 13.59% | 4.28% |
| Q4 2024 | 9.93% | 1.19% | 0.71% | 5.95% | 4.16% |
| Q3 2024 | 10.02% | 1.01% | 0.74% | 5.96% | 4.01% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Bodcaw Bank (main office) | Stamps , AR | 71860 | $91.9M |
| Magnolia Branch | Magnolia , AR | 71753 | $73.9M |
| Texarcana Branch | Texarkana , TX | 75503 | $54.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 76 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82 applications, 72 loans originated, $18.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Bodcaw Bank
What are Bodcaw Bank's total assets?
As of the Q2 2026 filing, Bodcaw Bank reported total assets of $247.3 million in its FFIEC call report.
Where is Bodcaw Bank headquartered?
It is headquartered in Stamps, AR, United States.
When was Bodcaw Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Bodcaw Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bodcaw Bank?
Bodcaw Bank's primary federal regulator is the FDIC.
How many branches does Bodcaw Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bodcaw Bank's Texas Ratio?
Its Texas Ratio is 12.10% 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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