Bank of Bearden

1 Second Street Nw
Bearden, AR 71720


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16282
Date Established 1945
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.05 billion
Capital $0.01 billion

Bank of Bearden is an FDIC insured institution located in Bearden, AR. It was founded in 1945 and has approximately $0.05 billion in assets.

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

Bank Loan Profile?

The top three loan types in Bank of Bearden’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, Bank of Bearden has a significantly higher percent of Commercial Real Estate 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 17.27
Credit Card Loans 0.00
Consumer Auto Loans 2.43
Small Business Loans 13.16
Construction and Development Loans 0.00
Commercial Real Estate 40.73
Commercial and Industrial Loans 21.33
Farm Loans 9.56

Deposit Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Bearden, but see these great savings and CD rates:

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Loan Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Bearden

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

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Note to Bank of Bearden
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Financial Details

Bank of Bearden Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Bearden. 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
Bank of Bearden U.S. Bank Average
2.29% 6.97%

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 December 31, 2018, Bank of Bearden had $146,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,048,000 in equity and $326,000 in loans loss reserves. That gives it a Texas Ratio of 2.29%.

Return on Equity
Bank of Bearden U.S. Bank Average
13.92% 8.80%

Bank of Bearden has a Return on Equity of 13.92% versus the BestCashCow average of 8.80%. 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.

Bank of Bearden U.S. Bank Average
11.38% 12.29%

Bank of Bearden has a Capitalization of 11.38% versus the BestCashCow average of 12.29. 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.

Bank of Bearden Balance Sheet Analysis

As of December 31, 2018, Bank of Bearden had assets of $53,159,000, loans of $27,887,000, and deposits of $46,552,000. 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

December 31, 2018
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.03 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 $0.05 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 62.48%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
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

Frequently Asked Questions About Bank Of Bearden

Branches and Savings

Is Bank Of Bearden FDIC insured?

Yes. It is covered under FDIC Certificate #16282.

Why does Bank Of Bearden pay such low interest on savings accounts?

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Why are Bank Of Bearden CD rates not competitive?

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Is Bank Of Bearden a commercial bank?


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Does Bank Of Bearden offer home equity lines of credit and home equity loans?

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Background on The Bank

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