Safest Banks in Arkansas 2026
Arkansas has 57 FDIC-insured banks with an average Bank Health Score of 66/100 (B). The safest bank is Bank of Bearden with a score of 100/100.
Data from FDIC Q2 2024
57 Arkansas banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Arkansas's 57 FDIC-insured banks hold a combined $144.6B in assets. Their average Bank Health Score of 66/100 sits 4.0 points below the national average of 70/100. Across the state, 49% of banks earn an A or B grade for financial health, while 18% fall to a D or F.
The largest bank headquartered in Arkansas is Bank Ozk with $36.8B in assets and a Bank Health Score of 72/100. The strongest by score is Bank of Bearden in Bearden (100/100, Tier 1 capital 19.50%). The weakest is First Service Bank at 26/100, dragged down by an NPL ratio of 1.96%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Arkansas
Bank of Bearden
Bearden, AR
Arkansas's top-rated bank, with a Tier 1 capital ratio of 19.50% — well above the federal "well-capitalized" threshold of 8%. Holds $69M in assets.
Bank of Lake Village
Lake Village, AR
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.48% with $84M in total assets.
Piggott State Bank
Piggott, AR
Third in the rankings on the Bank Health Score. Liquidity ratio of 35.67% and ROA of 1.01%.
Top 20 of 57 Banks in Arkansas
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Bank of Bearden | Bearden | A | 100 | 19.50% | 0.00% |
| 2 | Bank of Lake Village | Lake Village | A | 95 | 18.73% | 0.48% |
| 3 | Piggott State Bank | Piggott | A | 95 | 15.37% | 0.16% |
| 4 | Evolve Bank&Trust | West Memphis | A | 94 | 14.79% | 0.46% |
| 5 | Malvern National Bank | Malvern | A | 92 | 14.07% | 0.12% |
| 6 | Southern Bcorp Bank | Arkadelphia | A | 91 | 18.41% | 0.75% |
| 7 | Logan County Bank | Scranton | A | 90 | 30.04% | 0.71% |
| 8 | Centennial Bank | Conway | A | 88 | 13.71% | 0.58% |
| 9 | Bank of Cave City | Cave City | A | 87 | 18.72% | 0.79% |
| 10 | First Naturalstate Bank | Mcgehee | A | 85 | 23.79% | 0.60% |
| 11 | Diamond Bank | Murfreesboro | A | 81 | 14.36% | 0.27% |
| 12 | Simmons Bank | Pine Bluff | A | 81 | 12.22% | 0.60% |
| 13 | Fnbc Bank | Ash Flat | A | 80 | 11.00% | 0.37% |
| 14 | Todays Bank | Huntsville | A | 80 | 12.69% | 0.13% |
| 15 | Bank of England | England | B | 79 | 15.02% | 1.75% |
| 16 | Bank of Little Rock | Little Rock | B | 79 | 13.24% | 1.38% |
| 17 | Riverbank | Pocahontas | B | 77 | 20.23% | 0.09% |
| 18 | Anstaff Bank | Green Forest | B | 77 | 12.28% | 0.08% |
| 19 | Chambers Bank | Danville | B | 74 | 14.73% | 0.31% |
| 20 | Arvest Bank | Fayetteville | B | 74 | 11.39% | 0.74% |
Bank Health Scores for Arkansas are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Bank of Bearden in Bearden is currently the safest bank in Arkansas with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 19.50% and a nonperforming loan ratio of 0.00%.
Arkansas has 57 FDIC-insured banks with a combined $144.6B in total assets. The average Bank Health Score across the state is 66/100 (Grade B).
Arkansas's average Bank Health Score of 66/100 is 4.0 points below the national average of 70/100. 49% of banks in Arkansas earn an A or B grade, compared with the national average grade of B.
Of 57 FDIC-insured banks headquartered in Arkansas, 14 earn an A, 14 a B, 19 a C, 9 a D, and 1 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).