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Bank Of 1889
Berryville, AR · FDIC Certificate #3854 · Chartered 02/1
Total assets
$339.24M
Total deposits
$298.80M
Total equity
$37.08M
Net loans
$259.63M
Branches (offices)
12
Net income (YTD)
$3.37M
Rank: #2,298 of 4,213 U.S. banks by assets · #46 of 78 in Arkansas. Assets changed 10.4% and deposits 11.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 18.49% |
| Net interest margin (YTD) | 6.07% |
| Equity to assets | 10.93% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 31.3% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 86.9% |
| Real estate loans (share of loans) | 80.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $209.11M | 80.5% | |
| Commercial & industrial | $24.12M | 9.3% | |
| Consumer / individual | $21.79M | 8.4% | |
| Construction & development | $19.67M | 7.6% | |
| Agricultural | $7.84M | 3.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $292.30M | $263.51M | $1.81M | $27.26M |
| Jun 2023 | $291.21M | $258.77M | $2.60M | $30.48M |
| Jun 2024 | $298.29M | $263.57M | $3.10M | $31.61M |
| Jun 2025 | $307.36M | $269.31M | $3.18M | $34.86M |
| Jun 2026 | $339.24M | $298.80M | $3.37M | $37.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $298.80M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $298.80M.
Similar-sized banks
Bank Of Alma ($339.51M) · Trucommunity Bank ($338.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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