Bank of Cave City
Cave City, AR · Cert 105 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Sharp Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$194.4MAssets
$131.8MLoans
$171.9MDeposits
$11.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of banks under $1B in assets operating in a single state (rank 121 of 755).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 738 of 755).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.61%
Rank 610 of 755
Net Interest Margin
3.86%
Rank 310 of 755
Efficiency Ratio
81.11%
Rank 634 of 755
Equity / Assets
5.94%
Rank 738 of 755
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.72% | 1.06% | 1.45% | Beats 19% | 610 / 755 | |
| Return on Equity | 10.35% | 6.66% | 10.44% | 13.61% | Beats 50% | 381 / 755 | |
| Net Interest Margin | 3.86% | 3.15% | 3.68% | 4.17% | Beats 59% | 310 / 755 | |
| Efficiency Ratio | 81.11% | 55.75% | 64.78% | 75.61% | Beats 16% | 634 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.09% | 0.42% | 1.05% | Beats 15% | 637 / 751 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 600 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 20.62% | 11.56% | 13.81% | 17.74% | Beats 84% | 121 / 755 | |
| Total Risk-Based Capital Ratio | 21.80% | 11.72% | 14.46% | 18.53% | Beats 84% | 120 / 755 | |
| Equity / Assets | 5.94% | 8.93% | 10.56% | 13.13% | Beats 2% | 738 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 76.68% | 62.43% | 78.62% | 91.00% | 46th pctl | 405 / 755 | |
| Loans / Assets | 67.80% | 54.70% | 67.27% | 76.55% | 51st pctl | 368 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |