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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stamps, AR · FDIC certificate #5624
BODCAW BANK is an FDIC-insured institution based in Stamps, AR (FDIC certificate #5624). In its Q3 2026 Call Report it reported total assets of $253M, total deposits of $227M and net loans of $213M. Its primary federal regulator is FDIC.
Plain-language readout
BODCAW BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $253M in Q3 2026 and were lowest at $247M in Q2 2026.
Total deposits were highest at $227M in Q3 2026 and lowest at $220M in Q2 2026.
Over the whole period total assets rose 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $253M | $227M | $213M | 1.04% | 10.17% | 4.65% |
| Q2 2026 | $247M | $220M | $204M | 1.21% | 11.79% | 4.55% |
| Q1 2026 | $251M | $225M | $213M | 1.23% | 12.18% | 4.50% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.3M | $7.2M | -$916K | -12.8% |
| Federal funds sold | $13.2M | $6.1M | +$7.0M | +114.7% |
| 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) | $16.4M | $17.5M | -$1.1M | -6.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $204.2M | $212.9M | -$8.7M | -4.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.7M | $3.7M | +$47K | +1.3% |
| Other real estate owned | $627K | $644K | -$17K | -2.6% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $2.9M | $2.9M | -$26K | -0.9% |
| Total assets | $247.3M | $251.0M | -$3.7M | -1.5% |
| Liabilities | ||||
| Total deposits | $220.4M | $224.9M | -$4.5M | -2.0% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $630K | $744K | -$114K | -15.3% |
| Total liabilities | $221.1M | $225.7M | -$4.6M | -2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $7.5M | $7.5M | $0K | 0.0% |
| Retained earnings | $19.6M | $18.9M | +$737K | +3.9% |
| Accumulated other comprehensive income | -$1.2M | -$1.4M | +$148K | +10.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $26.2M | $25.3M | +$885K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.5M | $2.9M | +$594K | +20.6% |
| Adjusted nonperforming assets | $3.5M | $2.9M | +$594K | +20.6% |
| Tangible equity plus allowance | $28.7M | $27.7M | +$1.0M | +3.7% |
| Texas ratio (gross) | 12.10% | 10.41% | +1.70 pts | See points |
| Texas ratio (adjusted) | 12.10% | 10.41% | +1.70 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.63% | 10.95% | +1.68 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.89% | 10.66% | +0.24 pts | See points |
| Construction and land loans to total capital | 52.76% | 53.59% | -0.83 pts | See points |
| Commercial real estate to total capital | 127.16% | 146.36% | -19.20 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 | -6.20% | -6.81% | +0.61 pts | See points |
| Liquidity | ||||
| Core deposits | $158.5M | $158.4M | +$94K | +0.1% |
| Non-core funding | $61.9M | $66.5M | -$4.6M | -6.9% |
| Loans to core deposits | 130.39% | 135.87% | -5.48 pts | See points |
| Loans to deposits | 93.76% | 95.70% | -1.94 pts | See points |
| Brokered deposits share of deposits | 0.00% | 1.34% | -1.34 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 21.33% | 20.00% | +1.33 pts | See points |
| Volatile liabilities | $72.3M | $81.3M | -$9.0M | -11.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.2M | +$1.1M | +96.1% |
| Earnings before provision, single quarter | $1.1M | $1.2M | -$46K | -3.9% |
| Provision for credit losses, year to date | $425K | $225K | +$200K | +88.9% |
| Yield and cost | ||||
| Yield on loans and leases | 7.54% | 7.37% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | Not reported | Not reported | See points |
| Total interest income to average assets | 6.56% | 6.59% | -0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 1.02% | 1.10% | -0.08 pts | See points |
| Cost of savings and money market deposits | 2.20% | 2.21% | -0.00 pts | See points |
| Cost of time deposits | 3.75% | 3.87% | -0.13 pts | See points |
| Total interest expense to average assets | 2.28% | 2.38% | -0.10 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 | $253M | $227M | $213M | 1.04% | 10.17% | 4.65% |
| 2026-06-30 | $247M | $220M | $204M | 1.21% | 11.79% | 4.55% |
| 2026-03-31 | $251M | $225M | $213M | 1.23% | 12.18% | 4.50% |
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 | $154.4M | 0.14% | 76 | Continuing · -0.01 pp |
| TX | $57.6M | 0.00% | 420 | Continuing · -0.00 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.