Bank of Cave City
Cave City, AR · Cert 105 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 117 of 746).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 729 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.61%
Rank 602 of 746
Net Interest Margin
3.86%
Rank 307 of 746
Efficiency Ratio
81.11%
Rank 631 of 746
Equity / Assets
5.94%
Rank 729 of 746
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% | 602 / 746 | |
| Return on Equity | 10.35% | 6.74% | 10.51% | 13.63% | Beats 49% | 377 / 746 | |
| Net Interest Margin | 3.86% | 3.17% | 3.68% | 4.16% | Beats 59% | 307 / 746 | |
| Efficiency Ratio | 81.11% | 55.74% | 64.58% | 75.47% | Beats 16% | 631 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.09% | 0.42% | 1.07% | Beats 16% | 627 / 743 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 600 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 20.62% | 11.55% | 13.75% | 17.60% | Beats 84% | 117 / 746 | |
| Total Risk-Based Capital Ratio | 21.80% | 11.71% | 14.33% | 18.43% | Beats 84% | 116 / 746 | |
| Equity / Assets | 5.94% | 8.90% | 10.51% | 13.06% | Beats 2% | 729 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 76.68% | 61.31% | 78.27% | 90.78% | 47th pctl | 392 / 746 | |
| Loans / Assets | 67.80% | 53.60% | 66.97% | 76.08% | 52nd pctl | 357 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |