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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Star City, AR · FDIC certificate #5634
CONNECT BANK is an FDIC-insured institution based in Star City, AR (FDIC certificate #5634). In its Q3 2026 Call Report it reported total assets of $123M, total deposits of $106M and net loans of $78M. Its primary federal regulator is FED.
Plain-language readout
CONNECT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $128M in Q1 2026 and were lowest at $123M in Q3 2026.
Total deposits were highest at $112M in Q1 2026 and lowest at $106M in Q3 2026.
Over the whole period total assets fell 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $123M | $106M | $78M | 2.17% | 17.19% | 5.30% |
| Q2 2026 | $124M | $107M | $80M | 2.14% | 17.27% | 5.25% |
| Q1 2026 | $128M | $112M | $77M | 2.03% | 16.80% | 5.17% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.4M | $14.4M | -$6.0M | -41.5% |
| 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) | $28.8M | $29.6M | -$748K | -2.5% |
| 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) | $80.0M | $77.3M | +$2.6M | +3.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.9M | -$88K | -3.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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 | $3.8M | $3.8M | -$5K | -0.1% |
| Total assets | $123.9M | $128.1M | -$4.2M | -3.3% |
| Liabilities | ||||
| Total deposits | $107.2M | $112.0M | -$4.8M | -4.3% |
| 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 | $297K | $316K | -$19K | -6.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $290K | $254K | +$36K | +14.2% |
| Total liabilities | $107.8M | $112.6M | -$4.8M | -4.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $600K | $600K | $0K | 0.0% |
| Retained earnings | $19.2M | $18.5M | +$699K | +3.8% |
| Accumulated other comprehensive income | -$3.8M | -$3.8M | -$84K | -2.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.1M | $15.5M | +$615K | +4.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $722K | $37K | +$685K | +1851.4% |
| Adjusted nonperforming assets | $722K | $37K | +$685K | +1851.4% |
| Tangible equity plus allowance | $18.0M | $17.4M | +$678K | +3.9% |
| Texas ratio (gross) | 4.00% | 0.21% | +3.79 pts | See points |
| Texas ratio (adjusted) | 4.00% | 0.21% | +3.79 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.55% | 1.83% | +3.72 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) | 15.92% | 15.16% | +0.76 pts | See points |
| Construction and land loans to total capital | 60.68% | 59.90% | +0.77 pts | See points |
| Commercial real estate to total capital | 95.65% | 96.88% | -1.23 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 | -22.94% | -23.64% | +0.70 pts | See points |
| Liquidity | ||||
| Core deposits | $97.8M | $102.1M | -$4.3M | -4.2% |
| Non-core funding | $9.7M | $10.2M | -$531K | -5.2% |
| Loans to core deposits | 83.73% | 77.55% | +6.18 pts | See points |
| Loans to deposits | 76.42% | 70.71% | +5.70 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.06% | 53.96% | +0.11 pts | See points |
| Loans pledged, share of loans | 79.20% | 77.19% | +2.00 pts | See points |
| Volatile liabilities | $9.7M | $10.2M | -$531K | -5.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $680K | +$740K | +108.8% |
| Earnings before provision, single quarter | $740K | $680K | +$60K | +8.8% |
| Provision for credit losses, year to date | $79K | $40K | +$39K | +97.5% |
| Yield and cost | ||||
| Yield on loans and leases | 8.51% | 8.48% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.41% | 3.32% | +0.09 pts | See points |
| Total interest income to average assets | 6.34% | 6.19% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 1.20% | 1.17% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.00% | 1.04% | -0.03 pts | See points |
| Cost of time deposits | 3.51% | 3.55% | -0.05 pts | See points |
| Total interest expense to average assets | 1.42% | 1.41% | +0.01 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 | $123M | $106M | $78M | 2.17% | 17.19% | 5.30% |
| 2026-06-30 | $124M | $107M | $80M | 2.14% | 17.27% | 5.25% |
| 2026-03-31 | $128M | $112M | $77M | 2.03% | 16.80% | 5.17% |
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 | $107.5M | 0.10% | 87 | 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.