TellerScore

Bank of 1889 (FDIC certificate #3854) is based in Berryville, Arkansas. Its Q2 2026 call report shows $339.2M in total assets and $298.8M in deposits and 12 offices.

Based on its Q2 2026 filing, Bank of 1889 scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 29th. Its strongest component is earnings (100/100; 2.01%), and its lowest is funding & liquidity (55/100; 87% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.85%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.84%
Earnings100/100
Return on assets (annualized): 2.01%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 86.9% · 31.3% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.81%

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 (72 → 72).

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202462
Q1 202567
Q2 202572
Q3 202572
Q4 202571
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%8.34%11.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.83%
Q3 202411.31%
Q4 202410.83%
Q1 202511.44%
Q2 202511.43%
Q3 202511.69%
Q4 202510.81%
Q1 202611.10%
Q2 202610.85%
Noncurrent loans
0.84%1.34%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.24%
Q3 20241.27%
Q4 20241.85%
Q1 20251.58%
Q2 20251.05%
Q3 20251.11%
Q4 20251.00%
Q1 20260.94%
Q2 20260.84%
Return on assets
1.87%2.04%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.13%
Q3 20242.20%
Q4 20242.04%
Q1 20252.02%
Q2 20252.10%
Q3 20252.13%
Q4 20252.00%
Q1 20261.87%
Q2 20262.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$339.2M10.85%0.84%2.01%86.9%
Q1 202672$334.7M11.10%0.94%1.87%86.6%
Q4 202571$330.7M10.81%1.00%2.00%86.6%
Q3 202572$313.9M11.69%1.11%2.13%91.7%
Q2 202572$307.4M11.43%1.05%2.10%91.7%
Q1 202567$301.5M11.44%1.58%2.02%90.7%
Q4 202462$300.6M10.83%1.85%2.04%90.5%
Q3 202471$301.0M11.31%1.27%2.20%88.0%
Q2 202469$298.3M10.83%1.24%2.13%84.8%

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 ratio10.85%
47th
Total risk-based capital0.00%
24th
Problem loans0.84%
32nd
Net charge-offs0.17%
14th
Return on assets2.01%
87th
Net interest margin6.07%
99th
Efficiency ratio63.4%
47th
Loans to deposits86.9%
33rd
Uninsured deposits31.3%
24th
Loan-loss reserves1.13%
42nd
Texas ratio5.8%
32nd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of EnglandBank England, AR57 out of 100, Moderate$332.3M19.9%4.26%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
Today's BankBank Huntsville, AR62 out of 100, Moderate$351.0M9.5%0.74%vs
Union Bank & Trust CompanyBank Monticello, AR66 out of 100, Moderate$355.8M10.2%1.11%vs
Commercial Bank & Trust CompanyBank Monticello, AR40 out of 100, Below average$364.0M11.3%5.40%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs

Deposit insurance

Is my money safe at Bank of 1889?

Yes. Bank of 1889 is an FDIC-insured institution (FDIC certificate #3854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.3% of deposits ($93.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, well 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

12 locations

Branches

Bank of 1889 lists 11 offices in 9 cities. Most locations:

  • Berryville, AR (2)
  • Harrison, AR (2)
  • Elkins, AR (1)
  • Eureka Springs, AR (1)
  • Green Forest, AR (1)
  • Huntsville, AR (1)
  • Marshall, AR (1)
  • Western Grove, AR (1)
  • Yellville, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of 1889 reported 193 home-loan applications under HMDA (LEI 5493000LJB0L73TDJT41): 177 originated ($31,155,000 total), 6 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of 1889
Former names
The First National Bank of Berryville and Eureka Springs; The First National Bank of Berryville; First National Bank of North Arkansas
Type
State-chartered bank (Fed member)
FDIC certificate #
3854
RSSD ID
864846
Primary regulator
FED
Holding company
Bk 1889 Employee Stk Ownership Tr
Established
February 18, 1889
Headquarters
305 Public Sq, Berryville, AR 72616
Employees
93

Quick answers

Bank of 1889: common questions

Is Bank of 1889 FDIC insured?

Yes. Bank of 1889 is an FDIC-insured institution (FDIC certificate #3854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of 1889's TellerScore?

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

Has Bank of 1889 ever failed?

There is no failure record for FDIC certificate #3854 in the FDIC failed bank list.

How many branches does Bank of 1889 have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Berryville

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Freedom Bank of Southern MissouriBank Cassville, MO73 out of 100, Strong$850.1M8.7%0.13%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs