TellerScore

Headquartered in Bearden, Arkansas, Bank of Bearden is a state-chartered bank with $67.4M in total assets and $60.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1945.

Bank of Bearden has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 73% of its 546 banks with under $100 million in assets. Among 78 banks headquartered in Arkansas, it ranks 10th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (58/100, 50% loans-to-deposits, 53% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.29%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.01%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 50.5% · 53.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score fell 3 points (86 → 83), mostly because the capital cushion component weakened by 10 points.

TellerScore
808590Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202484
Q4 202488
Q1 202580
Q2 202586
Q3 202590
Q4 202589
Q1 202688
Q2 202683
Tier 1 leverage ratio
5.00%9.35%13.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.81%
Q3 202411.43%
Q4 202412.47%
Q1 202512.53%
Q2 202512.25%
Q3 202513.12%
Q4 202513.70%
Q1 202612.78%
Q2 202611.29%
Noncurrent loans
0.00%0.36%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.00%
Q1 20250.72%
Q2 20250.01%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.80%2.07%2.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.30%
Q3 20242.35%
Q4 20242.17%
Q1 20251.97%
Q2 20252.05%
Q3 20252.00%
Q4 20251.80%
Q1 20262.04%
Q2 20262.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$67.4M11.29%0.00%2.01%50.5%
Q1 202688$62.4M12.78%0.00%2.04%53.9%
Q4 202589$59.6M13.70%0.00%1.80%57.8%
Q3 202590$54.9M13.12%0.00%2.00%62.4%
Q2 202586$61.9M12.25%0.01%2.05%53.9%
Q1 202580$59.1M12.53%0.72%1.97%56.6%
Q4 202488$56.1M12.47%0.00%2.17%58.8%
Q3 202484$60.6M11.43%0.01%2.35%52.0%
Q2 202481$69.0M10.81%0.00%2.30%43.8%

546 peers · Under $100 million in assets

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 ratio11.29%
33rd
Total risk-based capital21.10%
76th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets2.01%
89th
Net interest margin4.32%
67th
Efficiency ratio50.2%
90th
Loans to deposits50.5%
70th
Uninsured deposits53.1%
2nd
Loan-loss reserves1.27%
55th
Texas ratio0.0%
85th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Riverside BankBank Sparkman, AR76 out of 100, Strong$73.9M12.3%0.04%vs
The Merchants & Planters BankBank Clarendon, AR72 out of 100, Strong$51.3M11.3%0.21%vs
Community State BankBank Bradley, AR69 out of 100, Moderate$89.8M10.0%0.00%vs
Bank of Lake VillageBank Lake Village, AR82 out of 100, Strong$90.6M16.1%1.00%vs

Deposit insurance

Is my money safe at Bank of Bearden?

Yes. Bank of Bearden is an FDIC-insured institution (FDIC certificate #16282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.1% of deposits ($32.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.10% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bank of Bearden lists 1 office in 1 city. Most locations:

  • Bearden, AR (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Bearden
Former names
The Citizens Bank
Type
State-chartered bank
FDIC certificate #
16282
RSSD ID
311144
Primary regulator
FDIC
Holding company
Bearden Bancshares Inc
Established
July 5, 1945
Headquarters
1 N 2nd St, Bearden, AR 71720
Employees
7

Quick answers

Bank of Bearden: common questions

Is Bank of Bearden FDIC insured?

Yes. Bank of Bearden is an FDIC-insured institution (FDIC certificate #16282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Bearden's TellerScore?

83 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 Bearden ever failed?

There is no failure record for FDIC certificate #16282 in the FDIC failed bank list.

How many branches does Bank of Bearden have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bearden

InstitutionScoreAssetsCapitalProblem loansCompare
Relyance BankBank White Hall, AR76 out of 100, Strong$1.4B13.3%0.40%vs
Riverside BankBank Sparkman, AR76 out of 100, Strong$73.9M12.3%0.04%vs
River Valley Community Federal Credit UnionCredit union Camden, AR74 out of 100, Strong$64.3M13.9%1.25%vs
FBT Bank & MortgageBank Fordyce, AR72 out of 100, Strong$263.6M10.4%0.69%vs
Generations BankBank Rogers, AR63 out of 100, Moderate$1.1B11.5%1.51%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs