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Smackover State Bank
Smackover, AR · FDIC Certificate #5623 · Chartered 04/1
Total assets
$252.37M
Total deposits
$210.41M
Total equity
$26.09M
Net loans
$174.56M
Branches (offices)
4
Net income (YTD)
$1.47M
Rank: #2,702 of 4,213 U.S. banks by assets · #59 of 78 in Arkansas. Assets changed -1.4% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 11.53% |
| Net interest margin (YTD) | 3.19% |
| Equity to assets | 10.34% |
| Tier 1 leverage ratio | 11.04% |
| Uninsured deposits (share of deposits) | 28.7% |
| Noncurrent loans (share of loans) | 0.83% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 83.0% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $149.97M | 85.9% | |
| Commercial & industrial | $19.65M | 11.3% | |
| Consumer / individual | $5.52M | 3.2% | |
| Construction & development | $5.04M | 2.9% | |
| Agricultural | $892.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $219.72M | $196.45M | $1.05M | $22.89M |
| Jun 2023 | $224.40M | $186.03M | $646.00K | $21.82M |
| Jun 2024 | $226.90M | $192.41M | $250.00K | $22.40M |
| Jun 2025 | $256.08M | $206.06M | $987.00K | $24.08M |
| Jun 2026 | $252.37M | $210.41M | $1.47M | $26.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $210.41M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $210.41M.
Similar-sized banks
Bank Of Little Rock ($252.87M) · The Peoples Bank Of Georgia ($252.31M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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