Asset Quality ranking · Arkansas · Call report data as of September 30, 2026
Arkansas Banks: Highest CRE Delinquency
First Arkansas Bank and Trust has the highest commercial real estate noncurrent rate of the 58 ranked banks headquartered in Arkansas, at 11.99% as of September 30, 2026. The median among the 58 ranked Arkansas banks is 0.27%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.55%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Arkansas banks by commercial real estate noncurrent rate. For the largest banks headquartered in Arkansas, see largest banks in Arkansas.
- No. 1 in Arkansas
- First Arkansas Bank and Trust
- Its CRE noncurrent
- 11.99%
- Arkansas median
- 0.27%
- Banks ranked
- 58
Ranked among banks headquartered in Arkansas, numbered 1 to 58 within the state from the same population as the national list. Browse every bank in the Arkansas bank directory.
Top 58 Arkansas banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Arkansas median of 0.27%. Missing values show as a dash and sort last.
| 1 | First Arkansas Bank and Trust Jacksonville, AR | 11.99% | $1.13B $1B to $10B |
| 2 | Central Bank Little Rock, AR | 10.79% | $981.7M $100M to $1B |
| 3 | Commercial Bank & Trust Company Monticello, AR | 8.33% | $367.4M $100M to $1B |
| 4 | Bank of Delight Delight, AR | 5.89% | $206.8M $100M to $1B |
| 5 | First Service Bank Greenbrier, AR | 4.27% | $1.07B $1B to $10B |
| 6 | First State Bank of Dequeen De Queen, AR | 3.54% | $537.5M $100M to $1B |
| 7 | Cross Bank Wynne, AR | 3.21% | $610.6M $100M to $1B |
| 8 | First Financial Bank El Dorado, AR | 3.11% | $2.04B $1B to $10B |
| 9 | Generations Bank Rogers, AR | 2.97% | $1.06B $1B to $10B |
| 10 | Evolve Bank & Trust West Memphis, AR | 2.72% | $1.20B $1B to $10B |
| 11 | First Western Bank Booneville, AR | 2.63% | $811.2M $100M to $1B |
| 12 | FM Bank and Trust Blytheville, AR | 1.68% | $1.38B $1B to $10B |
| 13 | Bodcaw Bank Stamps, AR | 1.62% | $252.9M $100M to $1B |
| 14 | Farmers Bank & Trust Company Magnolia, AR | 1.61% | $3.12B $1B to $10B |
| 15 | Bank of 1889 Berryville, AR | 1.56% | $348.5M $100M to $1B |
| 16 | Uplift Bank Arkadelphia, AR | 1.55% | $3.21B $1B to $10B |
| 17 | Smackover State Bank Smackover, AR | 1.04% | $248.9M $100M to $1B |
| 18 | FNBC Bank Ash Flat, AR | 0.89% | $856.9M $100M to $1B |
| 19 | The Citizens Bank Batesville, AR | 0.83% | $1.70B $1B to $10B |
| 20 | Horatio State Bank Horatio, AR | 0.79% | $317.9M $100M to $1B |
| 21 | Simmons Bank Pine Bluff, AR | 0.67% | $24.03B $10B to $100B |
| 22 | Arvest Bank Fayetteville, AR | 0.43% | $27.98B $10B to $100B |
| 23 | Stone Bank Mountain View, AR | 0.42% | $947.8M $100M to $1B |
| 24 | Diamond Bank Murfreesboro, AR | 0.42% | $944.1M $100M to $1B |
| 25 | Merchants and Farmers Bank Dumas, AR | 0.42% | $286.7M $100M to $1B |
| 26 | Centennial Bank Conway, AR | 0.41% | $23.98B $10B to $100B |
| 27 | First Community Bank Batesville, AR | 0.40% | $3.62B $1B to $10B |
| 28 | Gateway Bank Rison, AR | 0.28% | $180.7M $100M to $1B |
| 29 | The First National Bank of Fort Smith Fort Smith, AR | 0.27% | $2.27B $1B to $10B |
| 30 | Union Bank & Trust Company Monticello, AR | 0.26% | $357.4M $100M to $1B |
| 31 | CS Bank Eureka Springs, AR | 0.25% | $657.4M $100M to $1B |
| 32 | Anstaff Bank Green Forest, AR | 0.19% | $1.21B $1B to $10B |
| 33 | The Malvern National Bank Malvern, AR | 0.11% | $726.7M $100M to $1B |
| 34 | Chambers Bank Danville, AR | 0.10% | $1.55B $1B to $10B |
| 35 | First State Bank Russellville, AR | 0.10% | $658.6M $100M to $1B |
| 36 | Petit Jean State Bank Morrilton, AR | 0.09% | $262.9M $100M to $1B |
| 37 | The Farmers & Merchants Bank Stuttgart, AR | 0.08% | $2.06B $1B to $10B |
| 38 | Farmers Bank Greenwood, AR | 0.08% | $282.8M $100M to $1B |
| 39 | Encore Bank Little Rock, AR | 0.06% | $3.53B $1B to $10B |
| 40 | Citizens Bank & Trust Company Van Buren, AR | 0.02% | $560.2M $100M to $1B |
| 41 | Relyance Bank White Hall, AR | 0.02% | $1.51B $1B to $10B |
| 42 | Bank OZK Little Rock, AR | 0.00% | $43.19B $10B to $100B |
| 43 | First Security Bank Searcy, AR | 0.00% | $8.67B $1B to $10B |
| 44 | First National Bank Paragould, AR | 0.00% | $2.72B $1B to $10B |
| 45 | Signature Bank of Arkansas Fayetteville, AR | 0.00% | $1.65B $1B to $10B |
| 46 | Legacy Bank Springdale, AR | 0.00% | $1.31B $1B to $10B |
| 47 | Union Bank Mena, AR | 0.00% | $728.7M $100M to $1B |
| 48 | First National Bank of Eastern Arkansas Forrest City, AR | 0.00% | $612.4M $100M to $1B |
| 49 | Fidelity Bank West Memphis, AR | 0.00% | $535.9M $100M to $1B |
| 50 | Armor Bank Forrest City, AR | 0.00% | $528.4M $100M to $1B |
| 51 | Eagle Bank and Trust Company Little Rock, AR | 0.00% | $505.3M $100M to $1B |
| 52 | Partners Bank Helena, AR | 0.00% | $434.3M $100M to $1B |
| 53 | Today's Bank Huntsville, AR | 0.00% | $356.9M $100M to $1B |
| 54 | First State Bank Lonoke, AR | 0.00% | $333.2M $100M to $1B |
| 55 | Peoples Bank Sheridan, AR | 0.00% | $309.2M $100M to $1B |
| 56 | United Bank Springdale, AR | 0.00% | $292.5M $100M to $1B |
| 57 | FBT Bank & Mortgage Fordyce, AR | 0.00% | $266.8M $100M to $1B |
| 58 | Producers Bank & Trust McGehee, AR | 0.00% | $226.4M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 58 banks headquartered in Arkansas that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Arkansas has the highest commercial real estate noncurrent rate?
First Arkansas Bank and Trust has the highest commercial real estate noncurrent rate of the 58 ranked banks headquartered in Arkansas, at 11.99% as of September 30, 2026, according to its FFIEC call report. Central Bank ranks second at 10.79%. The median is 0.27%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Arkansas rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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