Stone Bank
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Data as of · sourced from FFIEC call reports. How we update
Stone Bank is an FDIC-insured commercial bank headquartered in Mountain View, AR, established in 1955 (FDIC certificate 17431), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $950.7M, up 8.8% from Q2 2025, the 27th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 10.40% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17431
- Headquarters
- Mountain View, AR
- Established
- 1955
- Total assets, Q2 2026
- $950.7M
- Assets vs Q2 2025
- +8.8%
- CET1 ratio, Q2 2026
- 10.40%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 082907781
- Holding company
- STONE BANCSHARES, INC.
- Asset rank in state
- 27th of 78 in Arkansas
Stone Bank, based in Mountain View, Arkansas, reported $951 million in assets at June 30, 2026, up 8.8% from a year earlier. It keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.28% on its deposits and borrowings, about double the median of 1.80% for banks its size.
Earnings jumped: net income for the quarter was $3.5 million, 55% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.81% of loans, down from 1.30% a year earlier. Where it has less room is capital: it holds common equity equal to 10.40% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Stone Bank reported a CET1 capital ratio of 10.40%, a return on assets of 1.47%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 15.13%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Stone Bank is the 27th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.2% to $950.7M, loans rose 6.9% and deposits rose 5.9%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 25.8% of total loans, ahead of farmland and other real estate loans at 17.5%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in AR; its Little Rock office books 25% of its branch deposits. On its Q2 2026 call report, Stone Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 802 E Main St, Mountain View, AR 72560
- County
- Stone
- Metro Area
- Pine Bluff, 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
- April 29, 1955
- Former names
- Ozark Heritage Bank N.A. (2009-2015)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 153
- Domestic deposits
- $757.7M
- Allowance for credit losses
- $10.6M
- Net charge-offs (YTD)
- $951K
- Average total assets
- $951.0M
- Average total loans
- $745.5M
- Average interest-bearing deposits
- $705.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 29, 1955
- FDIC Cert
- 17431
- Fed RSSD
- 913146
- Website
- www.stonebank.com →
- Parent Holding Company
- STONE BANCSHARES, INC. (RSSD 4928344)
- Ultimate Parent
- MO/ARK BANCSHARES, INC. (RSSD 5812954)
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
Over the 12 quarters to Q2 2026, Stone Bank's total assets ran between $738.8M (Q3 2023) and $950.7M (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
$950.7M total assets against $873.8M; $875.8M total liabilities against $807.6M.
$735.7M net loans and leases against $673.8M; $757.7M total deposits against $690.6M.
$104.0M securities against $92.8M; $17.2M cash and balances due against $25.2M.
$13.6M total interest income against $12.0M; $7.0M total interest expense against $6.9M.
$6.5M net interest income against $5.0M.
$5.2M total noninterest income against $3.6M; $6.5M total noninterest expense against $5.5M.
$650K provision for credit losses against $280K.
$3.5M net income against $2.3M.
1.47% return on assets against 1.04%; 2.97% net interest margin against 2.51%.
10.40% CET1 capital ratio against 10.35%; 8.37% tier 1 leverage ratio against 8.35%.
Inside the full Stone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStone Bank rankings
Its closest position to the top of a national ranking is 307 of 3,640, for Texas Ratio; its furthest is 2,052 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q4 2025) to 1.85% (Q1 2026) and its net interest margin ran from 2.51% (Q2 2025) to 3.10% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.40% | 1.47% | 1.04% | 15.13% | 2.97% |
| Q1 2026 | 10.62% | 1.85% | 1.45% | 17.66% | 2.97% |
| Q4 2025 | 10.60% | 0.96% | 1.36% | 13.19% | 2.99% |
| Q3 2025 | 10.18% | 1.80% | 0.81% | 7.10% | 3.10% |
| Q2 2025 | 10.35% | 1.04% | 1.49% | 11.97% | 2.51% |
| Q1 2025 | 10.84% | 1.05% | 1.37% | 10.81% | 2.64% |
| Q4 2024 | 10.70% | 1.19% | 1.41% | 15.00% | 2.57% |
| Q3 2024 | 10.50% | 1.06% | 1.44% | 16.08% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Little Rock Branch | Little Rock , AR | 72211 | $190.3M |
| Stone Bank (main office) | Mountain View , AR | 72560 | $164.2M |
| White Hall Branch | White Hall , AR | 71602 | $151.4M |
| Dewitt Bank Branch | De Witt , AR | 72042 | $129.3M |
| Harrison Branch | Harrison , AR | 72601 | $110.1M |
| Planters & Merchants Bank Branch | Gillett , AR | 72055 | $12.3M |
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 |
|---|---|---|---|
| September 21, 2019 | Structure Change | Acquired De Witt Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- 1 against the institution (OCC); 4 against individuals associated with it
- August 26, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Ozark Heritage Bank, National Association
- Period: Most recent institution action August 26, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in AR, rank 30 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 95 applications, 93 loans originated, $19.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 183 loans, $73.1M approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Stone Bank
What are Stone Bank's total assets?
As of the Q2 2026 filing, Stone Bank reported total assets of $950.7 million in its FFIEC call report.
Where is Stone Bank headquartered?
It is headquartered in Mountain View, AR, United States.
When was Stone Bank founded?
It was established in 1955, per the FDIC institution directory.
Is Stone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17431). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stone Bank?
Stone Bank's primary federal regulator is the Federal Reserve.
What is Stone Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does Stone Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stone Bank's Texas Ratio?
Its Texas Ratio is 15.13% 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 Stone Bank previously called?
The charter now named Stone Bank has also operated as Ozark Heritage Bank N.A. (2009-2015), per FDIC structure-change records.
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