Armor Bank (FDIC #28812): Bank Stress & Real-Estate Credit Exposure

Armor Bank (FDIC Cert #28812): bank stress 78/100, severe, STABLE over 7 days; parent BIG CREEK BANCSHARES INC.

Armor Bank (#28812) lends in 7 counties across 1 state; Armor Bank (#28812) reaches 115 ZIP codes: Arkansas 7 counties, 115 ZIPs.

Armor Bank (#28812) largest markets: Pulaski County, AR (108 branches, 36 ZIPs) (#28812), Benton County, AR (22 branches, 22 ZIPs) (#28812), Craighead County, AR (17 branches, 17 ZIPs) (#28812), St. Francis County, AR (26 branches, 13 ZIPs) (#28812), Lee County, AR (12 branches, 12 ZIPs) (#28812), Poinsett County, AR (33 branches, 11 ZIPs) (#28812).

Armor Bank (#28812) reports $516.9 million in total assets; Armor Bank (#28812) equity $43.7 million (8.5% of Armor Bank (#28812) assets); Armor Bank (#28812) domestic deposits $460.5 million; Armor Bank (#28812) net income $2.2 million; Armor Bank (#28812) return on assets 0.88%; Armor Bank (#28812) return on equity 10.24%; Armor Bank (#28812) net interest income $9.1 million; Armor Bank (#28812) call report June 30, 2026.

Armor Bank (#28812) noncurrent real-estate loans: none reported; Armor Bank (#28812) net charge-offs on real estate 0.32%.

Armor Bank (#28812) net interest margin 4.04% against an eight-quarter Armor Bank (#28812) average of 3.57% (Armor Bank (#28812) compression -0.46 points); Armor Bank (#28812) rate-exposure score 40/100, Armor Bank (#28812) fixed-rate trap 40/100; Armor Bank (#28812) risk type credit driven; Armor Bank (#28812) rate regime rates elevated, Armor Bank (#28812) snapshot October 19, 2026.

Armor Bank (#28812) stress score moved from 78 on June 22, 2026 to 78.5 on October 19, 2026; Armor Bank (#28812) ranged 78 to 78.5 over 116 snapshots.

Armor Bank (#28812) alerts: 7 counties; top Armor Bank (#28812) alert scores: Forrest City County, AR 25 (low); Hot Springs National Park County, AR 25 (low); Jonesboro County, AR 25 (low); Little Rock County, AR 25 (low); Marianna County, AR 25 (low).