Smackover State Bank
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Data as of · sourced from FFIEC call reports. How we update
Smackover State Bank is an FDIC-insured commercial bank headquartered in Smackover, AR, established in 1928 (FDIC certificate 5623), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $252.4M, down 1.4% from Q2 2025, the 59th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.04% 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
- 5623
- Headquarters
- Smackover, AR
- Established
- 1928
- Total assets, Q2 2026
- $252.4M
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 11.04%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 082906546
- Holding company
- SMACKOVER BANCSHARES, INC.
- Asset rank in state
- 59th of 78 in Arkansas
Problem loans are rising at Smackover State Bank. Based in Smackover, Arkansas, it had $252 million in assets at June 30, 2026, down 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.83% of loans from 0.50% a year earlier. It keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents).
Earnings jumped: net income for the quarter was $733,000, 40% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.5 million equal 20% of Tier 1 capital, down from 27% a year earlier.
As of June 30, 2026, Smackover State Bank reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 5.32%. The figures come from its call report filed with the FFIEC.
Smackover State Bank ranks as the 59th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $252.4M, loans rose 1.9% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.6% of total loans, ahead of owner-occupied commercial real estate loans at 12.4%. The FDIC Summary of Deposits lists 4 offices for it, in Smackover, AR, El Dorado, AR and Norphlet, AR; its Smackover office books 69% of its branch deposits. Judged on its Q2 2026 call report, Smackover State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 708 Broadway St, Smackover, AR 71762
- County
- Union
- Metro Area
- El Dorado, AR
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 18, 1928
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $210.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $69K
- Average total assets
- $254.1M
- Average total loans
- $173.9M
- Average interest-bearing deposits
- $180.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5623
- Fed RSSD
- 676049
- Website
- http://www.smackoverbank.com →
- Parent Holding Company
- SMACKOVER BANCSHARES, INC. (RSSD 1098264)
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, Smackover State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Smackover State Bank's total assets ran between $223.4M (Q4 2023) and $257.0M (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$252.4M total assets against $256.1M; $226.3M total liabilities against $232.0M.
$174.6M net loans and leases against $168.7M; $210.4M total deposits against $206.1M.
$66.5M securities against $75.2M; $7.1M cash and balances due against $7.1M.
$3.3M total interest income against $3.1M; $1.3M total interest expense against $1.5M.
$2.0M net interest income against $1.6M.
$240K total noninterest income against $229K; $1.2M total noninterest expense against $1.1M.
$75K provision for credit losses against $75K.
$733K net income against $523K.
1.15% return on assets against 0.82%; 3.27% net interest margin against 2.66%.
11.04% tier 1 leverage ratio against 10.41%.
Inside the full Smackover State Bank 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.
Smackover State Bank rankings
Its closest position to the top of a national ranking is 1,008 of 3,606, for efficiency ratio; its furthest is 2,691 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q3 2024) to 1.23% (Q4 2025) and its net interest margin ran from 1.96% (Q3 2024) to 3.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.04% | 1.15% | 0.83% | 5.32% | 3.27% |
| Q1 2026 | 10.79% | 1.16% | 1.27% | 8.19% | 3.14% |
| Q4 2025 | 10.57% | 1.23% | 0.78% | 5.24% | 3.03% |
| Q3 2025 | 10.53% | 1.16% | 0.12% | 0.96% | 2.98% |
| Q2 2025 | 10.41% | 0.82% | 0.50% | 3.53% | 2.66% |
| Q1 2025 | 10.52% | 0.75% | 0.25% | 1.90% | 2.49% |
| Q4 2024 | 11.12% | 0.69% | 0.24% | 1.71% | 2.69% |
| Q3 2024 | 11.00% | 0.46% | 0.20% | 1.33% | 1.96% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Smackover State Bank (main office) | Smackover , AR | 71762 | $145.3M |
| 125 West 5th Branch | El Dorado , AR | 71730 | $32.2M |
| El Dorado Branch | El Dorado , AR | 71730 | $29.9M |
| Norphlet Branch | Norphlet , AR | 71759 | $3.0M |
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 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 73 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $22K approved, $22K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Smackover State Bank
What are Smackover State Bank's total assets?
As of the Q2 2026 filing, Smackover State Bank reported total assets of $252.4 million in its FFIEC call report.
Where is Smackover State Bank headquartered?
It is headquartered in Smackover, AR, United States.
When was Smackover State Bank founded?
It was established in 1928, per the FDIC institution directory.
Is Smackover State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Smackover State Bank?
Smackover State Bank's primary federal regulator is the FDIC.
How many branches does Smackover State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Smackover State Bank's Texas Ratio?
Its Texas Ratio is 5.32% 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.
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