TellerScore

Armor Bank (FDIC certificate #28812) is based in Forrest City, Arkansas. Its Q2 2026 call report shows $516.9M in total assets and $460.5M in deposits and 13 offices.

Armor Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 48th. Problem-loan coverage contributes the most (93/100, 3.3%); capital cushion contributes the least (44/100, 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.40%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.41%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 84.7% · 19.7% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).

TellerScore
616569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202462
Q1 202565
Q2 202565
Q3 202566
Q4 202566
Q1 202669
Q2 202666
Tier 1 leverage ratio
5.00%7.20%9.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.83%
Q3 20248.33%
Q4 20248.85%
Q1 20259.02%
Q2 20259.15%
Q3 20259.17%
Q4 20259.12%
Q1 20269.32%
Q2 20269.40%
Noncurrent loans
0.00%0.20%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.02%
Q1 20250.02%
Q2 20250.17%
Q3 20250.16%
Q4 20250.16%
Q1 20260.00%
Q2 20260.41%
Return on assets
0.10%0.49%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.14%
Q4 20240.22%
Q1 20250.47%
Q2 20250.60%
Q3 20250.71%
Q4 20250.69%
Q1 20260.81%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$516.9M9.40%0.41%0.88%84.7%
Q1 202669$499.5M9.32%0.00%0.81%80.7%
Q4 202566$481.6M9.12%0.16%0.69%82.8%
Q3 202566$487.1M9.17%0.16%0.71%87.7%
Q2 202565$468.8M9.15%0.17%0.60%84.1%
Q1 202565$468.7M9.02%0.02%0.47%83.4%
Q4 202462$466.6M8.85%0.02%0.22%86.9%
Q3 202461$493.3M8.33%0.00%0.14%85.8%
Q2 202461$450.6M8.83%0.00%0.10%87.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.40%
19th
Total risk-based capital0.00%
24th
Problem loans0.41%
50th
Net charge-offs-0.00%
78th
Return on assets0.88%
27th
Net interest margin4.04%
56th
Efficiency ratio70.7%
28th
Loans to deposits84.7%
39th
Uninsured deposits19.7%
66th
Loan-loss reserves1.25%
56th
Texas ratio3.3%
46th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of DeQueenBank De Queen, AR64 out of 100, Moderate$525.1M8.5%1.23%vs
Eagle Bank and Trust CompanyBank Little Rock, AR83 out of 100, Strong$505.7M16.4%0.65%vs
Fidelity BankBank West Memphis, AR78 out of 100, Strong$546.8M13.1%0.74%vs
Citizens' Bank & Trust Co.Bank Van Buren, AR82 out of 100, Strong$566.4M11.8%0.20%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs

Deposit insurance

Is my money safe at Armor Bank?

Yes. Armor Bank is an FDIC-insured institution (FDIC certificate #28812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.7% of deposits ($90.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.40%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Armor Bank lists 11 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Armor Bank
Former names
Forrest City Bank, FSB; Forrest City Bank, National Association; Forrest City Savings and Loan Association, F.A.; Forrest City Savings and Loan Association; Armor Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
28812
RSSD ID
168571
Primary regulator
FED
Holding company
Big Creek Bancshares Inc
Established
January 1, 1919
Headquarters
715 N Washington St, Forrest City, AR 72335
Employees
75

Quick answers

Armor Bank: common questions

Is Armor Bank FDIC insured?

Yes. Armor Bank is an FDIC-insured institution (FDIC certificate #28812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Armor Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Armor Bank ever failed?

There is no failure record for FDIC certificate #28812 in the FDIC failed bank list.

How many branches does Armor Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Forrest City

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity BankBank West Memphis, AR78 out of 100, Strong$546.8M13.1%0.74%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Partners BankBank Helena, AR71 out of 100, Strong$417.1M13.7%0.93%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs