Today's Bank
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Data as of · sourced from FFIEC call reports. How we update
Today's Bank is an FDIC-insured commercial bank headquartered in Huntsville, AR, established in 1991 (FDIC certificate 33470), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $351.0M, up 1.4% from Q2 2025, the 45th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 13.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33470
- Headquarters
- Huntsville, AR
- Established
- 1991
- Total assets, Q2 2026
- $351.0M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 13.81%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 082901745
- Latest call report
- Q2 2026, FFIEC 051 · Today's Bank call report
- Holding company
- MATHIAS BANCSHARES, INC.
- Asset rank in state
- 45th of 78 in Arkansas
Problem loans are rising at Today's Bank. Based in Huntsville, Arkansas, it had $351 million in assets at June 30, 2026, up 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.74% of loans from 0.04% a year earlier. It holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 18% from a year earlier, to $686,000. Over the same year, loans grew 7.7% and deposits shrank 1.9%. Profitability lags: it earns about $0.77 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Today's Bank reported a CET1 capital ratio of 13.81%, a return on assets of 0.77%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 7.81%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Today's Bank is the 45th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $351.0M, loans rose 1.5% and deposits were flat. 1-4 family residential loans made up 35.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.7%. The FDIC Summary of Deposits lists 11 offices for it, in 8 cities in AR; its Huntsville 2 offices book 36% of its branch deposits. On its Q2 2026 call report, Today's Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 432 Harmony Rd, Huntsville, AR 72740
- County
- Madison
- Metro Area
- Fayetteville-Springdale-Rogers, 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
- July 26, 1991
- Former names
- First State Bank of Northwest Arkansas (2003-2014)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $294.6M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $358.0M
- Average total loans
- $245.1M
- Average interest-bearing deposits
- $321.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 26, 1991
- FDIC Cert
- 33470
- Fed RSSD
- 1879016
- Website
- www.todaysbank.com →
- Parent Holding Company
- MATHIAS BANCSHARES, INC. (RSSD 1951172)
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, Today's Bank's total assets ran between $325.8M (Q3 2023) and $351.0M (Q2 2026), 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
$351.0M total assets against $346.2M; $323.6M total liabilities against $322.5M.
$243.9M net loans and leases against $226.3M; $294.6M total deposits against $300.4M.
$69.2M securities against $62.7M; $19.7M cash and balances due against $37.9M.
$5.3M total interest income against $5.2M; $2.1M total interest expense against $2.3M.
$3.2M net interest income against $2.9M.
$189K total noninterest income against $265K; $2.7M total noninterest expense against $2.6M.
$0 provision for credit losses against $0.
$686K net income against $581K.
0.77% return on assets against 0.66%; 3.74% net interest margin against 3.44%.
13.81% CET1 capital ratio against 13.37%; 9.54% tier 1 leverage ratio against 8.93%.
Inside the full Today's 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Today's Bank rankings
Its closest position to the top of a national ranking is 855 of 3,640, for Texas Ratio; its furthest is 3,209 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.17% (Q4 2024) to 0.78% (Q4 2025) and its net interest margin ran from 3.39% (Q4 2024) to 3.78% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.81% | 0.77% | 0.74% | 7.81% | 3.74% |
| Q1 2026 | 13.61% | 0.71% | 0.58% | 6.40% | 3.71% |
| Q4 2025 | 13.38% | 0.78% | 0.23% | 4.40% | 3.78% |
| Q3 2025 | 14.00% | 0.60% | 0.26% | 4.34% | 3.55% |
| Q2 2025 | 13.37% | 0.66% | 0.04% | 2.82% | 3.44% |
| Q1 2025 | 12.75% | 0.64% | 1.60% | 14.30% | 3.40% |
| Q4 2024 | 12.78% | -1.17% | 1.66% | 15.73% | 3.39% |
| Q3 2024 | 12.62% | 0.52% | 0.72% | 6.06% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Today's Bank (main office) | Huntsville , AR | 72740 | $91.4M |
| Mulberry Branch | Mulberry , AR | 72947 | $49.7M |
| Mansfield Branch | Mansfield , AR | 72944 | $35.8M |
| Van Buren Branch | Van Buren , AR | 72956 | $24.1M |
| Fayetteville Branch | Fayetteville , AR | 72701 | $20.1M |
| Ozark Center Point Place Branch | Springdale , AR | 72762 | $19.4M |
| West Main Street Branch | Huntsville , AR | 72740 | $15.6M |
| Alma Branch | Alma , AR | 72921 | $15.1M |
| Pea Ridge Branch | Pea Ridge , AR | 72751 | $13.8M |
| Fiesta Square Branch | Fayetteville , AR | 72703 | $9.7M |
| Motor Branch | Mulberry , AR | 72947 | $1K |
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 24, 2016 | Structure Change | Acquired Allied Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 23, 2016 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 27, 1991 | Structure Change | Acquired First Savings of Arkansas, F.A. 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
- 0.3% of deposits in AR, rank 57 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 20 loans originated, $10.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $986K approved, $986K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 Today's Bank
What are Today's Bank's total assets?
As of the Q2 2026 filing, Today's Bank reported total assets of $351.0 million in its FFIEC call report.
Where is Today's Bank headquartered?
It is headquartered in Huntsville, AR, United States.
When was Today's Bank founded?
It was established in 1991, per the FDIC institution directory.
Is Today's Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Today's Bank?
Today's Bank's primary federal regulator is the FDIC.
What is Today's Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Today's Bank 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 Today's Bank's Texas Ratio?
Its Texas Ratio is 7.81% 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 Today's Bank previously called?
The charter now named Today's Bank has also operated as First State Bank of Northwest Arkansas (2003-2014), per FDIC structure-change records.
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