Arkansas County Bank

Headquarters

220 W Cross Street
De Witt, AR 72042
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 1.00% 1.15% →
2-Year CD 1.21% 1.26% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Arkansas County Bank is an FDIC insured institution located in De Witt, AR. It was founded in 1912 and has approximately $0.16 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 3858
Date Established 1912
Assets $ 159.43 million
Loans $ 93.73 million
Deposits $ 121.58 million
Capital $ 18.66 million
 

For a more detailed analysis of Arkansas County Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $20 - Learn More
Money Market
0.10% $2,500 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 $99,999 Learn More
3 Mo CD
0.25% $100,000 - Learn More
6 Mo CD
0.40% $500 $99,999 Learn More
6 Mo CD
0.50% $100,000 - Learn More
12 Mo CD
0.95% $500 $99,999 Learn More
12 Mo CD
1.00% $100,000 - Learn More
18 Mo CD
1.06% $500 $99,999 Learn More
18 Mo CD
1.11% $100,000 - Learn More
24 Mo CD
1.16% $500 $99,999 Learn More
24 Mo CD
1.21% $100,000 - Learn More
36 Mo CD
1.31% $500 $99,999 Learn More
36 Mo CD
1.31% $100,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.31% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $750 - Learn MoreShow Less

Loan Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Arkansas County Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,438 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to Arkansas County Bank
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Branches

Arkansas County Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Arkansas County Bank Locations


Financial Details

Arkansas County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Arkansas County Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Arkansas County Bank U.S. Bank Average
13.14% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Arkansas County Bank had $2,201,000 in non-current loans and $493,000 in owned real estate. To cover these potential losses it had $18,659,000 in equity and $1,848,000 in loans loss reserves. That gives it a Texas Ratio of 13.14%.

Return on Equity
Arkansas County Bank U.S. Bank Average
12.62% 7.80%

Arkansas County Bank has a Return on Equity of 12.62% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Arkansas County Bank U.S. Bank Average
11.7% 12.68%

Arkansas County Bank has a Capitalization of 11.7% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Arkansas County Bank Balance Sheet Analysis

As of March 31, 2020, Arkansas County Bank had assets of $159,428,000, loans of $93,732,000, and deposits of $121,583,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 8.10 million
Interest-bearing balances $ 3.76 million
Total securities $ 46.28 million
Federal funds sold and reverse repurchase $ 4.58 million
Net loans and leases $ 93.73 million
Loan loss allowance $ 1.85 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.49 million
Goodwill and other intangibles N.A.
All other assets $ 2.59 million
     Total Assets $ 140.77 million
LIABILITIES
Total deposits $ 121.58 million
      Interest-bearing deposits $ 89.84 million
      Deposits held in domestic offices $ 121.58 million
      % insured (estimated) 82.13%
Federal funds purchased and repurchase agreements $ 10.11 million
Trading liabilities N.A.
Other borrowed funds $ 8.95 million
Subordinated debt N.A.
All other liabilities $ 0.12 million
      Total Liabilities $ 140.77 million
      Shareholders’ Equity $ 18.66 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.84 million
Total Interest Expense $ 0.24 million
Net interest income $ 1.59 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.10 million
Total non interest expense $ 1.19 million
Pre-tax Net Operating Income $ 0.50 million

Bank Loan Profile?

The top three loan types in Arkansas County Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Arkansas, Arkansas County Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.02
Multifamily
Mortgages
1.01
Credit Card Loans 0.00
Consumer Auto Loans 1.12
Small Business Loans 0.00
Construction and Development Loans 5.39
Commercial Real Estate 14.42
Commercial and Industrial Loans 9.47
Farm Loans 25.24

Frequently Asked Questions About Arkansas County Bank

Branches and Savings

Is Arkansas County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #3858.

Why does Arkansas County Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Arkansas County Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Arkansas County Bank a commercial bank?

Yes

Where are Arkansas County Bank locations?

See branch locations nearby.

Is Arkansas County Bank open on Saturdays?

Is Arkansas County Bank open on Sundays?

What time does Arkansas County Bank open?

What time does Arkansas County Bank close?

Are Arkansas County Bank ATMs Open 24/7?

Do Arkansas County Bank ATMs accept cash deposits?

Can Arkansas County Bank customers use other ATMs?

Do Arkansas County Bank branches have notaries?

Will Arkansas County Bank notarize my document?

What address for Arkansas County Bank should I put for incoming ACH transfers?

Will the Arkansas County Bank branch print checks?

Do Arkansas County Bank checks expire?

Does Arkansas County Bank require US citizenship to open account?

Can Arkansas County Bank close my account?

Does Arkansas County Bank Report to credit bureaus?

Does Arkansas County Bank Use Equifax?

What is Arkansas County Bank's ACH Routing Number?

What is Arkansas County Bank's SWIFT code?

Products

Does Arkansas County Bank offer mortgages?

Compare mortgage rates here.

Does Arkansas County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Arkansas County Bank offer personal loans?

Compare personal loan rates here.

Does Arkansas County Bank offer student loans?

Will Arkansas County Bank cash a check?

Will Arkansas County Bank redeem a savings bond?

Does Arkansas County Bank cash savings bonds?

Will Arkansas County Bank cash money orders?

Can Arkansas County Bank issue a money order?

Does Arkansas County Bank do currency exchange?

Background on The Bank

Who owns Arkansas County Bank?

How long has Arkansas County Bank been around?

Can Arkansas County Bank transfer to other banks?

Does Arkansas County Bank have quick pay?

Does Arkansas County Bank accept rolled coins?

Will Arkansas County Bank accept loose change?

Where is Arkansas County Bank headquarters?

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