Arvest Bank
Fayetteville, Arkansas · FDIC Cert #8728
Arvest Bank is an FDIC-insured bank (Certificate #8728) with $26.3B in total assets and $23.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Fayetteville, Arkansas, the bank maintains a Tier 1 capital ratio of 11.39% (Well-Capitalized) and a nonperforming loan ratio of 0.74%. BankHealthData assigns a composite Health Grade of B (74/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Arvest Bank (FDIC cert 8728) is a large bank with $26.3B in total assets and $23.0B in deposits, headquartered in Fayetteville, Arkansas. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.39% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.74% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.36% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Arvest Bank carries a composite BankHealth grade of B (74/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Arvest Bank
- Total Assets
- $26.3B
- Total Deposits
- $23.0B
- Tier 1 Capital Ratio
- 11.39%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.74%
- Liquidity Ratio
- 25.16%
- Return on Assets
- 0.36%
- Headquarters
- Fayetteville, Arkansas
- FDIC Certificate
- #8728
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Arvest Bank holds a Tier 1 capital ratio of 11.39%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Arvest Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Arvest Bank shows strong financial health indicators. With $26.3B in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Arvest Bank Compares
Arvest Bank’s Health Score of 74 is 8 points above the Arkansas state average of 66 across 57 FDIC-insured banks. Its 11.39% Tier 1 capital ratio is 2.6 points below the US banking industry average near 14%. The 0.74% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.36% is below the national ROA benchmark of ~1.1%. Among 81 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Arvest Bank is 4 points above the portfolio average of 70.
Frequently Asked Questions
Arvest Bank has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.39%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Arvest Bank's Tier 1 capital ratio of 11.39% and nonperforming loan ratio of 0.74% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Arvest Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8728). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Arvest Bank holds $26.3B in total assets and $23.0B in total deposits. It is headquartered in Fayetteville, Arkansas (FDIC Certificate #8728).
Arvest Bank has a Tier 1 capital ratio of 11.39%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.74%, and the return on assets is 0.36%.
Yes. Arvest Bank is FDIC-insured (Certificate #8728). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Arvest Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.