Bank of Cave City
Cave City, AR · Cert 105 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 119 of 752).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 736 of 752).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.61%
Rank 609 of 752
Net Interest Margin
3.86%
Rank 318 of 752
Efficiency Ratio
81.11%
Rank 634 of 752
Equity / Assets
5.94%
Rank 736 of 752
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.72% | 1.07% | 1.45% | Beats 19% | 609 / 752 | | |
| Return on Equity | 10.35% | 6.78% | 10.58% | 13.65% | Beats 49% | 385 / 752 | | |
| Net Interest Margin | 3.86% | 3.18% | 3.69% | 4.17% | Beats 58% | 318 / 752 | | |
| Efficiency Ratio | 81.11% | 55.75% | 64.49% | 75.47% | Beats 16% | 634 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.09% | 0.42% | 1.03% | Beats 15% | 635 / 748 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 599 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 20.62% | 11.55% | 13.75% | 17.60% | Beats 84% | 119 / 752 | | |
| Total Risk-Based Capital Ratio | 21.80% | 11.70% | 14.33% | 18.47% | Beats 84% | 118 / 752 | | |
| Equity / Assets | 5.94% | 8.93% | 10.56% | 13.13% | Beats 2% | 736 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.68% | 62.23% | 78.64% | 91.26% | 46th pctl | 403 / 752 | | |
| Loans / Assets | 67.80% | 54.61% | 67.41% | 76.47% | 51st pctl | 368 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |