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Data through Q3 2026 · 4,200 institutions
Regulatory profile
England, AR · FDIC certificate #13303
BANK OF ENGLAND is an FDIC-insured institution based in England, AR (FDIC certificate #13303). In its Q3 2026 Call Report it reported total assets of $321M, total deposits of $244M and net loans of $99M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF ENGLAND has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $332M in Q2 2026 and were lowest at $321M in Q3 2026.
Total deposits were highest at $254M in Q2 2026 and lowest at $244M in Q3 2026.
Over the whole period total assets fell 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $321M | $244M | $99M | 0.34% | 1.74% | 3.66% |
| Q2 2026 | $332M | $254M | $95M | 0.35% | 1.79% | 3.60% |
| Q1 2026 | $329M | $251M | $90M | 0.41% | 2.08% | 3.47% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $35.2M | $58.4M | -$23.2M | -39.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $166.8M | $145.7M | +$21.1M | +14.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $8.6M | $8.8M | -$240K | -2.7% |
| Net loans and leases (after allowance) | $86.9M | $80.8M | +$6.0M | +7.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.5M | $5.7M | -$112K | -2.0% |
| Other real estate owned | $0K | $169K | -$169K | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $16.2M | $16.7M | -$471K | -2.8% |
| All other assets | $13.1M | $12.8M | +$352K | +2.8% |
| Total assets | $332.3M | $329.0M | +$3.3M | +1.0% |
| Liabilities | ||||
| Total deposits | $254.1M | $250.6M | +$3.5M | +1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $10.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.3M | -$105K | -3.1% |
| Total liabilities | $267.3M | $263.9M | +$3.4M | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $850K | $850K | $0K | 0.0% |
| Retained earnings | $65.3M | $65.1M | +$245K | +0.4% |
| Accumulated other comprehensive income | -$1.2M | -$845K | -$319K | -37.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $65.0M | $65.1M | -$74K | -0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.2M | $3.7M | +$513K | +13.9% |
| Adjusted nonperforming assets | $4.2M | $3.7M | +$513K | +13.9% |
| Tangible equity plus allowance | $51.9M | $51.4M | +$474K | +0.9% |
| Texas ratio (gross) | 8.08% | 7.16% | +0.92 pts | See points |
| Texas ratio (adjusted) | 8.08% | 7.16% | +0.92 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 10.25% | 10.03% | +0.21 pts | See points |
| Tier 1 capital to risk-weighted assets | 24.59% | 24.55% | +0.04 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 24.59% | 24.55% | +0.04 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.17% | 1.15% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 25.76% | 25.70% | +0.07 pts | See points |
| Tier 1 leverage (approximate) | 19.91% | 20.16% | -0.25 pts | See points |
| Construction and land loans to total capital | 1.37% | 2.00% | -0.64 pts | See points |
| Commercial real estate to total capital | 33.83% | 33.91% | -0.07 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.62% | -5.79% | +0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $233.4M | $229.5M | +$4.0M | +1.7% |
| Non-core funding | $30.6M | $31.1M | -$473K | -1.5% |
| Loans to core deposits | 38.53% | 36.53% | +2.00 pts | See points |
| Loans to deposits | 35.40% | 33.46% | +1.95 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 21.09% | 24.21% | -3.12 pts | See points |
| Loans pledged, share of loans | 30.91% | 36.28% | -5.37 pts | See points |
| Volatile liabilities | $30.6M | $31.1M | -$473K | -1.5% |
| Earnings | ||||
| Earnings before provision, year to date | $656K | $274K | +$382K | +139.4% |
| Earnings before provision, single quarter | $382K | $274K | +$108K | +39.4% |
| Provision for credit losses, year to date | -$98K | -$173K | +$75K | +43.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.27% | 6.38% | -0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.48% | 3.26% | +0.23 pts | See points |
| Total interest income to average assets | 4.21% | 4.08% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.66% | 0.68% | -0.02 pts | See points |
| Cost of savings and money market deposits | 0.47% | 0.47% | +0.00 pts | See points |
| Cost of time deposits | 3.38% | 3.58% | -0.21 pts | See points |
| Total interest expense to average assets | 0.94% | 1.02% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $321M | $244M | $99M | 0.34% | 1.74% | 3.66% |
| 2026-06-30 | $332M | $254M | $95M | 0.35% | 1.79% | 3.60% |
| 2026-03-31 | $329M | $251M | $90M | 0.41% | 2.08% | 3.47% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $254.9M | 0.24% | 61 | Continuing · -0.05 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.