Stone Bank (FDIC #17431): Bank Stress & Real-Estate Credit Exposure
Stone Bank (FDIC Cert #17431): bank stress 64/100, elevated, STABLE over 7 days; parent MO ARK BANCSHARES INC.
Stone Bank (#17431) lends in 5 counties across 1 state; Stone Bank (#17431) reaches 89 ZIP codes: Arkansas 5 counties, 89 ZIPs.
Stone Bank (#17431) largest markets: Pulaski County, AR (36 branches, 36 ZIPs) (#17431), Jefferson County, AR (19 branches, 19 ZIPs) (#17431), Stone County, AR (16 branches, 16 ZIPs) (#17431), Arkansas County, AR (26 branches, 13 ZIPs) (#17431), Boone County, AR (10 branches, 10 ZIPs) (#17431).
Stone Bank (#17431) reports $950.7 million in total assets; Stone Bank (#17431) equity $74.9 million (7.9% of Stone Bank (#17431) assets); Stone Bank (#17431) domestic deposits $757.7 million; Stone Bank (#17431) net income $7.6 million; Stone Bank (#17431) return on assets 1.68%; Stone Bank (#17431) return on equity 20.97%; Stone Bank (#17431) net interest income $12.6 million; Stone Bank (#17431) call report June 30, 2026.
Stone Bank (#17431) noncurrent real-estate loans 0.17% of its book; Stone Bank (#17431) multifamily -0.61%; Stone Bank (#17431) residential 0.30%; Stone Bank (#17431) net charge-offs on real estate 0.87%; Stone Bank (#17431) residential charge-offs 0.62%.
Stone Bank (#17431) net interest margin 3.11% against an eight-quarter Stone Bank (#17431) average of 2.85% (Stone Bank (#17431) compression -0.26 points); Stone Bank (#17431) real-estate loans 17.1% of equity; Stone Bank (#17431) non-residential real estate 62.0% of equity; Stone Bank (#17431) rate-exposure score 40/100, Stone Bank (#17431) fixed-rate trap 40/100; Stone Bank (#17431) risk type credit driven; Stone Bank (#17431) rate regime rates elevated, Stone Bank (#17431) snapshot October 19, 2026.
Stone Bank (#17431) stress score moved from 58.8 on June 22, 2026 to 64.5 on October 19, 2026; Stone Bank (#17431) ranged 58.8 to 64.5 over 116 snapshots.
Stone Bank (#17431) alerts: 5 counties; top Stone Bank (#17431) alert scores: Gillett County, AR 23 (low); Harrison County, AR 23 (low); Little Rock County, AR 23 (low); Mountain View County, AR 23 (low); White Hall County, AR 23 (low).