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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Smackover, AR · FDIC certificate #5623
SMACKOVER STATE BANK is an FDIC-insured institution based in Smackover, AR (FDIC certificate #5623). In its Q3 2026 Call Report it reported total assets of $249M, total deposits of $211M and net loans of $178M. Its primary federal regulator is FDIC.
Plain-language readout
SMACKOVER STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $252M in Q2 2026 and were lowest at $249M in Q1 2026.
Total deposits were highest at $211M in Q3 2026 and lowest at $207M in Q1 2026.
Over the whole period total assets rose 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $249M | $211M | $178M | 1.24% | 12.03% | 3.30% |
| Q2 2026 | $252M | $210M | $175M | 1.17% | 11.53% | 3.19% |
| Q1 2026 | $249M | $207M | $171M | 1.18% | 11.71% | 3.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.8M | $4.0M | -$203K | -5.1% |
| Federal funds sold | $3.3M | $200K | +$3.1M | +1550.0% |
| 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) | $66.4M | $68.8M | -$2.4M | -3.5% |
| 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) | $174.6M | $171.3M | +$3.3M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.7M | -$29K | -1.7% |
| Other real estate owned | $11K | $12K | -$1K | -8.3% |
| 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 | $2.7M | $2.8M | -$64K | -2.3% |
| Total assets | $252.4M | $248.7M | +$3.7M | +1.5% |
| Liabilities | ||||
| Total deposits | $210.4M | $207.5M | +$2.9M | +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 | $15.0M | $15.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $868K | $689K | +$179K | +26.0% |
| Total liabilities | $226.3M | $223.2M | +$3.1M | +1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $2.5M | $2.5M | $0K | 0.0% |
| Retained earnings | $24.5M | $24.0M | +$584K | +2.4% |
| Accumulated other comprehensive income | -$2.0M | -$1.9M | -$10K | -0.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $26.1M | $25.5M | +$574K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $2.2M | -$739K | -33.5% |
| Adjusted nonperforming assets | $1.5M | $2.2M | -$739K | -33.5% |
| Tangible equity plus allowance | $27.6M | $26.9M | +$632K | +2.3% |
| Texas ratio (gross) | 5.32% | 8.19% | -2.87 pts | See points |
| Texas ratio (adjusted) | 5.32% | 8.19% | -2.87 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.32% | 8.19% | -2.87 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) | 11.04% | 10.79% | +0.24 pts | See points |
| Construction and land loans to total capital | 17.09% | 18.89% | -1.80 pts | See points |
| Commercial real estate to total capital | 115.34% | 107.99% | +7.36 pts | See points |
| Dividend payout, year to date | 20.37% | 20.27% | +0.10 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.73% | -22.75% | +3.02 pts | See points |
| Liquidity | ||||
| Core deposits | $157.2M | $155.5M | +$1.6M | +1.0% |
| Non-core funding | $68.3M | $66.9M | +$1.3M | +2.0% |
| Loans to core deposits | 112.01% | 111.01% | +1.00 pts | See points |
| Loans to deposits | 83.66% | 83.22% | +0.43 pts | See points |
| Brokered deposits share of deposits | 0.80% | 0.82% | -0.02 pts | See points |
| Pledged securities share of securities | 69.93% | 82.59% | -12.65 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $68.3M | $66.9M | +$1.3M | +2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $1.0M | +$1.0M | +98.5% |
| Earnings before provision, single quarter | $1.0M | $1.0M | -$15K | -1.5% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.53% | 6.35% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 1.60% | 1.60% | 0.00 pts | See points |
| Total interest income to average assets | 5.18% | 5.04% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 1.52% | 1.56% | -0.05 pts | See points |
| Cost of savings and money market deposits | 0.19% | 0.18% | +0.01 pts | See points |
| Cost of time deposits | 3.73% | 3.85% | -0.12 pts | See points |
| Total interest expense to average assets | 2.06% | 2.06% | -0.00 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 | $249M | $211M | $178M | 1.24% | 12.03% | 3.30% |
| 2026-06-30 | $252M | $210M | $175M | 1.17% | 11.53% | 3.19% |
| 2026-03-31 | $249M | $207M | $171M | 1.18% | 11.71% | 3.14% |
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 | $206.1M | 0.19% | 71 | 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.