Bank Of 1889 (FDIC #3854): Bank Stress & Real-Estate Credit Exposure

Bank Of 1889 (FDIC Cert #3854): bank stress 47/100, moderate, STABLE over 7 days; parent BK 1889 EMPLOYEE STK OWNERSHIP TR.

Bank Of 1889 (#3854) lends in 7 counties across 1 state; Bank Of 1889 (#3854) reaches 75 ZIP codes: Arkansas 7 counties, 75 ZIPs.

Bank Of 1889 (#3854) largest markets: Newton County, AR (20 branches, 20 ZIPs) (#3854), Washington County, AR (20 branches, 20 ZIPs) (#3854), Marion County, AR (17 branches, 17 ZIPs) (#3854), Madison County, AR (13 branches, 13 ZIPs) (#3854), Searcy County, AR (12 branches, 12 ZIPs) (#3854), Boone County, AR (20 branches, 10 ZIPs) (#3854).

Bank Of 1889 (#3854) reports $339.2 million in total assets; Bank Of 1889 (#3854) equity $37.1 million (10.9% of Bank Of 1889 (#3854) assets); Bank Of 1889 (#3854) domestic deposits $298.8 million; Bank Of 1889 (#3854) net income $3.4 million; Bank Of 1889 (#3854) return on assets 2.01%; Bank Of 1889 (#3854) return on equity 18.49%; Bank Of 1889 (#3854) net interest income $9.4 million; Bank Of 1889 (#3854) call report June 30, 2026.

Bank Of 1889 (#3854) noncurrent real-estate loans 0.03% of its book; Bank Of 1889 (#3854) net charge-offs on real estate 0.84%; Bank Of 1889 (#3854) residential charge-offs 1.68%.

Bank Of 1889 (#3854) net interest margin 6.07% against an eight-quarter Bank Of 1889 (#3854) average of 6.23% (Bank Of 1889 (#3854) compression 0.16 points); Bank Of 1889 (#3854) real-estate loans 3.1% of equity; Bank Of 1889 (#3854) non-residential real estate 168.1% of equity; Bank Of 1889 (#3854) rate-exposure score 40/100, Bank Of 1889 (#3854) fixed-rate trap 40/100; Bank Of 1889 (#3854) risk type credit driven; Bank Of 1889 (#3854) rate regime rates elevated, Bank Of 1889 (#3854) snapshot October 19, 2026.

Bank Of 1889 (#3854) stress score moved from 48.2 on June 22, 2026 to 47 on October 19, 2026; Bank Of 1889 (#3854) ranged 47 to 48.2 over 116 snapshots.

Bank Of 1889 (#3854) alerts: 7 counties; top Bank Of 1889 (#3854) alert scores: Elkins County, AR 18 (low); Green Forest County, AR 18 (low); Harrison County, AR 18 (low); Huntsville County, AR 18 (low); Marshall County, AR 18 (low).