Eagle Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Eagle Bank and Trust Company is an FDIC-insured commercial bank headquartered in Little Rock, AR, established in 1919 (FDIC certificate 3873), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $505.7M, up 5.5% from Q2 2025, the 40th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3873
- Headquarters
- Little Rock, AR
- Established
- 1919
- Total assets, Q2 2026
- $505.7M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 16.35%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 082001179
- Latest call report
- Q2 2026, FFIEC 051 · Eagle Bank and Trust Company call report
- Holding company
- STATE HOLDING COMPANY
- Asset rank in state
- 40th of 78 in Arkansas
Eagle Bank and Trust Company spends more to run itself than most banks of its size. Based in Little Rock, Arkansas, it had $506 million in assets at June 30, 2026, up 5.5% from a year earlier. It spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it funds 16.35% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $34 million equal 42% of Tier 1 capital, down from 56% a year earlier. Loans are outrunning deposits: over the year loans rose 12.1% and deposits rose 4.4%. Profitability lags: it returns 7.0% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Eagle Bank and Trust Company reported a return on assets of 0.93%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 1.33%. The figures come from its call report filed with the FFIEC.
Eagle Bank and Trust Company ranks as the 40th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $505.7M, loans rose 2.3% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.8% of total loans, ahead of construction and land development loans at 24.0%. The FDIC Summary of Deposits lists 13 offices for it, in 11 cities in AR; its Heber Springs 2 offices book 21% of its branch deposits. On its Q2 2026 call report, Eagle Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 650 S Shackleford Rd, Little Rock, AR 72211
- County
- Pulaski
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- Heber Springs State Bank (1977-2012)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 167
- Domestic deposits
- $433.0M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $77K
- Average total assets
- $501.5M
- Average total loans
- $222.7M
- Average interest-bearing deposits
- $342.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3873
- Fed RSSD
- 453446
- Website
- www.eaglebank.com →
- Parent Holding Company
- STATE HOLDING COMPANY (RSSD 1100046)
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, Eagle Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Eagle Bank and Trust Company's total assets moved between a low of $450.9M (Q3 2023) and a high of $505.7M (Q2 2026) 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
$505.7M total assets against $479.3M; $437.6M total liabilities against $419.4M.
$223.4M net loans and leases against $199.3M; $433.0M total deposits against $414.9M.
$231.9M securities against $236.2M; $24.2M cash and balances due against $16.7M.
$6.1M total interest income against $5.7M; $1.8M total interest expense against $1.8M.
$4.3M net interest income against $3.9M.
$4.8M total noninterest income against $4.5M; $7.7M total noninterest expense against $7.1M.
$157K provision for credit losses against $108K.
$1.2M net income against $1.0M.
0.93% return on assets against 0.86%; 3.95% net interest margin against 3.73%.
16.35% tier 1 leverage ratio against 16.13%.
Inside the full Eagle Bank and Trust Company 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Eagle Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,766 of 4,196, for total assets; its furthest is 3,325 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q1 2025) to 1.15% (Q1 2026) and its net interest margin ran from 3.29% (Q3 2024) to 4.04% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.35% | 0.93% | 0.65% | 1.33% | 3.95% |
| Q1 2026 | 16.30% | 1.15% | 0.59% | 1.09% | 4.04% |
| Q4 2025 | 16.27% | 0.53% | 0.68% | 1.13% | 3.87% |
| Q3 2025 | 16.63% | 1.05% | 0.92% | 1.71% | 3.75% |
| Q2 2025 | 16.13% | 0.86% | 0.66% | 1.17% | 3.73% |
| Q1 2025 | 16.00% | 0.37% | 0.49% | 1.21% | 3.32% |
| Q4 2024 | 15.70% | 0.38% | 0.60% | 0.88% | 3.37% |
| Q3 2024 | 16.02% | 0.60% | 0.40% | 0.58% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Second and Main Branch | Heber Springs , AR | 72543 | $89.1M |
| North Hills Branch | North Little Rock , AR | 72116 | $79.0M |
| West Side Branch | Greers Ferry , AR | 72067 | $66.8M |
| Quitman Branch | Quitman , AR | 72131 | $52.2M |
| Eagle Bank and Trust Company (main office) | Little Rock , AR | 72211 | $46.3M |
| Fairfield Bay Branch | Fairfield Bay , AR | 72088 | $24.5M |
| East Kiehl Branch | Sherwood , AR | 72120 | $23.0M |
| Drasco Branch | Drasco , AR | 72530 | $14.9M |
| Vilonia Branch | Vilonia , AR | 72173 | $14.9M |
| Rose Bud Branch | Rose Bud , AR | 72137 | $9.6M |
| Maumelle Branch | North Little Rock , AR | 72113 | $5.5M |
| Gravel Ridge Branch | Gravel Ridge , AR | 72076 | $4.4M |
| Heber Springs Branch | Heber Springs , AR | 72543 | $2.8M |
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 |
|---|---|---|---|
| February 24, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2012 | Structure Change | Acquired Eagle Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in AR, rank 46 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,625 applications, 2,030 loans originated, $537.5M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Eagle Bank and Trust Company
What are Eagle Bank and Trust Company's total assets?
As of the Q2 2026 filing, Eagle Bank and Trust Company reported total assets of $505.7 million in its FFIEC call report.
Where is Eagle Bank and Trust Company headquartered?
It is headquartered in Little Rock, AR, United States.
When was Eagle Bank and Trust Company founded?
It was established in 1919, per the FDIC institution directory.
Is Eagle Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eagle Bank and Trust Company?
Eagle Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Eagle Bank and Trust Company operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eagle Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 1.33% 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.
What was Eagle Bank and Trust Company previously called?
The charter now named Eagle Bank and Trust Company has also operated as Heber Springs State Bank (1977-2012), per FDIC structure-change records.
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