Bank of Little Rock
Little Rock, Arkansas · FDIC Cert #91280
Bank of Little Rock is an FDIC-insured bank (Certificate #91280) with $296M in total assets and $249M in total deposits as of the Q2 2024 Call Report. Headquartered in Little Rock, Arkansas, the bank maintains a Tier 1 capital ratio of 13.24% (Well-Capitalized) and a nonperforming loan ratio of 1.38%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Little Rock (FDIC cert 91280) is a community bank — $296M in total assets, $249M in deposits, serving the Little Rock, Arkansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.24% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.38% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 53.7% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -0.02% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Little Rock carries a composite BankHealth grade of B (79/100) 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: Bank of Little Rock
- Total Assets
- $296M
- Total Deposits
- $249M
- Tier 1 Capital Ratio
- 13.24%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.38%
- Liquidity Ratio
- 53.73%
- Return on Assets
- -0.02%
- Headquarters
- Little Rock, Arkansas
- FDIC Certificate
- #91280
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Little Rock holds a Tier 1 capital ratio of 13.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Little Rock has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Little Rock shows strong financial health indicators. With $296M in assets and a Health Score of 79/100, 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 Bank of Little Rock Compares
Bank of Little Rock’s Health Score of 79 is 13 points above the Arkansas state average of 66 across 57 FDIC-insured banks. Its 13.24% Tier 1 capital ratio is 0.8 points below the US banking industry average near 14%. The 1.38% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.02% is below the national ROA benchmark of ~1.1%. Among 1584 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of Little Rock is 9 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Little Rock has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.24%, 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. Bank of Little Rock's Tier 1 capital ratio of 13.24% and nonperforming loan ratio of 1.38% 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 Bank of Little Rock is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #91280). 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.
Bank of Little Rock holds $296M in total assets and $249M in total deposits. It is headquartered in Little Rock, Arkansas (FDIC Certificate #91280).
Bank of Little Rock has a Tier 1 capital ratio of 13.24%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.38%, and the return on assets is -0.02%.
Yes. Bank of Little Rock is FDIC-insured (Certificate #91280). 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%).
Bank of Little Rock'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.