Bank of Cave City is a state-chartered bank (fed member) headquartered in Cave City, Arkansas, in business for about 120 years. At the end of Q2 2026 it reported $194.4M in total assets and $171.9M in deposits, with 5 offices.
Based on its Q2 2026 filing, Bank of Cave City scores 50/100, which we describe as below average. That is higher than only 7% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 73rd. Its strongest component is funding & liquidity (78/100; 76% loans-to-deposits, 21% uninsured), and its lowest is capital cushion (34/100; 8.38%).
TellerScore · Q2 2026
Scorecard
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 (53 → 50), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 61 |
| Q4 2024 | 58 |
| Q1 2025 | 54 |
| Q2 2025 | 53 |
| Q3 2025 | 48 |
| Q4 2025 | 50 |
| Q1 2026 | 49 |
| Q2 2026 | 50 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.46% |
| Q3 2024 | 8.29% |
| Q4 2024 | 8.34% |
| Q1 2025 | 8.23% |
| Q2 2025 | 8.41% |
| Q3 2025 | 8.38% |
| Q4 2025 | 8.41% |
| Q1 2026 | 8.56% |
| Q2 2026 | 8.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.62% |
| Q3 2025 | 2.13% |
| Q4 2025 | 1.99% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.00% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $194.4M | 8.38% | 1.62% | 0.78% | 76.2% |
| Q1 2026 | 49 | $189.6M | 8.56% | 1.82% | 0.76% | 74.3% |
| Q4 2025 | 50 | $189.7M | 8.41% | 1.99% | 1.11% | 73.8% |
| Q3 2025 | 48 | $192.5M | 8.38% | 2.13% | 1.15% | 75.1% |
| Q2 2025 | 53 | $190.9M | 8.41% | 1.62% | 1.13% | 75.8% |
| Q1 2025 | 54 | $195.5M | 8.23% | 1.25% | 1.00% | 79.5% |
| Q4 2024 | 58 | $191.1M | 8.34% | 1.15% | 1.30% | 80.7% |
| Q3 2024 | 61 | $185.8M | 8.29% | 1.01% | 1.43% | 82.1% |
| Q2 2024 | 66 | $186.7M | 8.46% | 0.79% | 1.74% | 79.5% |
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).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples BankBank Magnolia, AR | 65 out of 100, Moderate | $195.9M | 13.6% | 2.23% | vs |
| Bank of DelightBank Delight, AR | 86 out of 100, Very strong | $201.0M | 13.4% | 0.29% | vs |
| Gateway BankBank Rison, AR | 32 out of 100, Low | $181.0M | 9.7% | 3.96% | vs |
| Producers Bank & TrustBank Mcgehee, AR | 90 out of 100, Very strong | $213.2M | 22.1% | 0.00% | vs |
| RiverBankBank Pocahontas, AR | 48 out of 100, Below average | $174.4M | 12.2% | 3.42% | vs |
| Riverwind BankBank Augusta, AR | 68 out of 100, Moderate | $167.8M | 9.1% | 0.16% | vs |
Deposit insurance
Is my money safe at Bank of Cave City?
Yes. Bank of Cave City is an FDIC-insured institution (FDIC certificate #105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.8% of deposits ($35.8M) 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 8.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.80% (benchmark: 10%).
5 locations
Branches
Bank of Cave City lists 5 offices in 5 cities. Most locations:
- Batesville, AR (1)
- Cave City, AR (1)
- Evening Shade, AR (1)
- Lynn, AR (1)
- Strawberry, AR (1)
Identity & history
Profile
- Legal name
- Bank of Cave City
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 105
- RSSD ID
- 629148
- Primary regulator
- FED
- Holding company
- Sharp Bancshares Inc
- Established
- July 1, 1906
- Headquarters
- 137 S Main St, Cave City, AR 72521
- Website
- www.bankofcavecity.com
- Employees
- 48
Quick answers
Bank of Cave City: common questions
Is Bank of Cave City FDIC insured?
Yes. Bank of Cave City is an FDIC-insured institution (FDIC certificate #105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Cave City's TellerScore?
50 out of 100 (Below average), 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 Cave City ever failed?
There is no failure record for FDIC certificate #105 in the FDIC failed bank list.
How many branches does Bank of Cave City have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cave City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of Izard CountyBank Calico Rock, AR | 80 out of 100, Strong | $234.8M | 31.1% | 2.09% | vs |
| First National Bank Of CommerceBank Walnut Ridge, AR | 80 out of 100, Strong | $296.6M | 10.6% | 0.17% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| The Citizens BankBank Batesville, AR | 70 out of 100, Strong | $1.6B | 8.9% | 0.37% | vs |
| Southern BankBank Poplar Bluff, MO | 70 out of 100, Strong | $5.2B | 10.4% | 0.63% | vs |
| FNBC BankBank Ash Flat, AR | 69 out of 100, Moderate | $843.3M | 9.7% | 0.79% | vs |