Stone Bank
Mountain View, Arkansas · FDIC Cert #17431
Stone Bank is an FDIC-insured bank (Certificate #17431) with $814M in total assets and $635M in total deposits as of the Q2 2024 Call Report. Headquartered in Mountain View, Arkansas, the bank maintains a Tier 1 capital ratio of 10.35% (Well-Capitalized) and a nonperforming loan ratio of 1.05%. BankHealthData assigns a composite Health Grade of C (61/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Stone Bank (FDIC cert 17431) is a community bank — $814M in total assets, $635M in deposits, serving the Mountain View, 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 adequate: Tier 1 capital ratio of 10.35% 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 1.05% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. 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. Stone Bank carries a composite BankHealth grade of C (61/100) 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: Stone Bank
- Total Assets
- $814M
- Total Deposits
- $635M
- Tier 1 Capital Ratio
- 10.35%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.05%
- Liquidity Ratio
- 12.90%
- Return on Assets
- 1.12%
- Headquarters
- Mountain View, Arkansas
- FDIC Certificate
- #17431
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Stone Bank holds a Tier 1 capital ratio of 10.35%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Stone Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Stone Bank shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Stone Bank Compares
Stone Bank’s Health Score of 61 is 5 points below the Arkansas state average of 66 across 57 FDIC-insured banks. Its 10.35% Tier 1 capital ratio is 3.7 points below the US banking industry average near 14%. The 1.05% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 1155 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Stone Bank is 9 points below the portfolio average of 70.
Frequently Asked Questions
Stone Bank has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.35%, 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. Stone Bank's Tier 1 capital ratio of 10.35% and nonperforming loan ratio of 1.05% indicate an average 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 Stone Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17431). 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.
Stone Bank holds $814M in total assets and $635M in total deposits. It is headquartered in Mountain View, Arkansas (FDIC Certificate #17431).
Stone Bank has a Tier 1 capital ratio of 10.35%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.05%, and the return on assets is 1.12%.
Yes. Stone Bank is FDIC-insured (Certificate #17431). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Stone Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.