Arkansas County Bank

220 W Cross Street
De Witt, AR 72042


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3858
Date Established 1912
Assets $0.16 billion
Loans $0.09 billion
Deposits $0.13 billion
Capital $0.02 billion

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.

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 - September 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 - Learn MoreShow Less
0.60% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.60% $100,000 - Learn MoreShow Less
0.80% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.81% $100,000 - Learn MoreShow Less
1.21% $500 $99,999 Learn MoreShow Less
12 Mo CD
1.31% $100,000 - Learn MoreShow Less
1.21% $500 $99,999 Learn MoreShow Less
18 Mo CD
1.31% $100,000 - Learn MoreShow Less
1.51% $500 $99,999 Learn MoreShow Less
24 Mo CD
1.61% $100,000 - Learn MoreShow Less
1.81% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.81% $100,000 - Learn MoreShow Less

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

Loan Rates - September 16, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More
First Internet Bank
NMLS ID: 424182
3.780% 3.750% 0.38 $912 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Arkansas County Bank
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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.

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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 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
15.36% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Arkansas County Bank had $2,433,000 in non-current loans and $695,000 in owned real estate. To cover these potential losses it had $18,416,000 in equity and $1,949,000 in loans loss reserves. That gives it a Texas Ratio of 15.36%.

Return on Equity
Arkansas County Bank U.S. Bank Average
10.74% 9.47%

Arkansas County Bank has a Return on Equity of 10.74% versus the BestCashCow average of 9.47%. 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.

Arkansas County Bank U.S. Bank Average
11.23% 12.49%

Arkansas County Bank has a Capitalization of 11.23% versus the BestCashCow average of 12.49. 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, 2019, Arkansas County Bank had assets of $163,990,000, loans of $88,896,000, and deposits of $128,219,000. 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, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.15 billion
Total deposits $0.13 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 78.58%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.15 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.13
Credit Card Loans 0.00
Consumer Auto Loans 1.26
Small Business Loans 0.00
Construction and Development Loans 4.83
Commercial Real Estate 12.68
Commercial and Industrial Loans 9.09
Farm Loans 26.23

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?


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?


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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