Signature Bank of Arkansas
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Data as of · sourced from FFIEC call reports. How we update
Signature Bank of Arkansas is an FDIC-insured commercial bank headquartered in Fayetteville, AR, established in 1933 (FDIC certificate 89), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.63B, up 13.8% from Q2 2025, the 14th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 11.92% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 89
- Headquarters
- Fayetteville, AR
- Established
- 1933
- Total assets, Q2 2026
- $1.63B
- Assets vs Q2 2025
- +13.8%
- CET1 ratio, Q2 2026
- 11.92%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 082908832
- Latest call report
- Q2 2026, FFIEC 041 · Signature Bank of Arkansas call report
- Holding company
- WHITE RIVER BANCSHARES COMPANY
- Asset rank in state
- 14th of 78 in Arkansas
Signature Bank of Arkansas, based in Fayetteville, Arkansas, reported $1.6 billion in assets at June 30, 2026, up 13.8% from a year earlier. It carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it pays an average of 2.66% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 28% from a year earlier, to $4.7 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Signature Bank of Arkansas reported a CET1 capital ratio of 11.92%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Signature Bank of Arkansas is the 14th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $1.63B, loans rose 3.6% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.2% of total loans, followed by construction and land development loans at 16.1%. Its 10 offices in the FDIC Summary of Deposits are in 7 cities in AR; its Fayetteville office books 42% of its branch deposits. Judged on its Q2 2026 call report, Signature Bank of Arkansas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3878 N Crossover Rd, Fayetteville, AR 72703
- County
- Washington
- Metro Area
- Fayetteville-Springdale-Rogers, 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 041
- Established
- August 18, 1933
- Former names
- First Bank of South Arkansas (1994-2005)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 230
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $15.9M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $1.63B
- Average total loans
- $1.33B
- Average interest-bearing deposits
- $1.17B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 89
- Fed RSSD
- 3350724
- SEC CIK
- 1328409 → filed by WHITE RIVER BANCSHARES COMPANY
- Website
- www.signature.bank →
- Parent Holding Company
- WHITE RIVER BANCSHARES COMPANY (RSSD 3306589) · WRIV
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
From Q3 2023 to Q2 2026, Signature Bank of Arkansas's total assets ranged from $1.09B (Q3 2023) to $1.63B (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
$1.63B total assets against $1.43B; $1.48B total liabilities against $1.31B.
$1.34B net loans and leases against $1.20B; $1.44B total deposits against $1.25B.
$171.0M securities against $140.5M; $50.5M cash and balances due against $25.3M.
$24.0M total interest income against $21.2M; $9.5M total interest expense against $8.8M.
$14.5M net interest income against $12.4M.
$2.4M total noninterest income against $2.0M; $10.1M total noninterest expense against $8.8M.
$575K provision for credit losses against $800K.
$4.7M net income against $3.7M.
1.16% return on assets against 1.05%; 3.73% net interest margin against 3.69%.
11.92% CET1 capital ratio against 10.46%; 9.57% tier 1 leverage ratio against 9.12%.
Inside the full Signature Bank of Arkansas 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Signature Bank of Arkansas rankings
Its closest position to the top of a national ranking is 681 of 4,196, for total assets; its furthest is 3,078 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q4 2024) to 1.26% (Q4 2025) and its net interest margin ran from 3.44% (Q3 2024) to 3.82% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.92% | 1.16% | 0.04% | 0.32% | 3.73% |
| Q1 2026 | 11.79% | 1.01% | 0.00% | 0.01% | 3.61% |
| Q4 2025 | 10.78% | 1.26% | 0.00% | 0.00% | 3.82% |
| Q3 2025 | 10.49% | 1.08% | 0.03% | 0.26% | 3.79% |
| Q2 2025 | 10.46% | 1.05% | 0.03% | 0.27% | 3.69% |
| Q1 2025 | 11.07% | 0.89% | 0.04% | 0.54% | 3.46% |
| Q4 2024 | 11.50% | 0.69% | 0.01% | 0.28% | 3.50% |
| Q3 2024 | 12.28% | 1.02% | 0.00% | 0.62% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Signature Bank of Arkansas (main office) | Fayetteville , AR | 72703 | $600.3M |
| Springdale Branch | Springdale , AR | 72762 | $253.0M |
| Bentonville Branch | Bentonville , AR | 72712 | $229.8M |
| 130 South New Orleans Branch | Brinkley , AR | 72021 | $96.4M |
| Rogers | Rogers , AR | 72758 | $86.2M |
| Jonesboro Branch | Jonesboro , AR | 72401 | $75.4M |
| Harrison Branch | Harrison , AR | 72601 | $58.4M |
| Banco Si Branch | Rogers , AR | 72756 | $17.4M |
| Brinkley North Branch | Brinkley , AR | 72021 | $12.4M |
| Springdale Downtown Branch | Springdale , AR | 72764 | $7.2M |
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 |
|---|---|---|---|
| April 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 2007 | Structure Change | Acquired Bank of Brinkley 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in AR, rank 17 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 516 applications, 422 loans originated, $196.4M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $89K approved, $89K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 Signature Bank of Arkansas
What are Signature Bank of Arkansas's total assets?
As of the Q2 2026 filing, Signature Bank of Arkansas reported total assets of $1.63 billion in its FFIEC call report.
Where is Signature Bank of Arkansas headquartered?
It is headquartered in Fayetteville, AR, United States.
When was Signature Bank of Arkansas founded?
It was established in 1933, per the FDIC institution directory.
Is Signature Bank of Arkansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #89). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Signature Bank of Arkansas?
Signature Bank of Arkansas's primary federal regulator is the Federal Reserve.
What is Signature Bank of Arkansas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.92% in its Q2 2026 call report, above regulatory requirements.
How many branches does Signature Bank of Arkansas operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Signature Bank of Arkansas's Texas Ratio?
Its Texas Ratio is 0.32% 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 Signature Bank of Arkansas previously called?
The charter now named Signature Bank of Arkansas has also operated as First Bank of South Arkansas (1994-2005), per FDIC structure-change records.
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