TellerScore

Headquartered in Star City, Arkansas, Connect Bank is a state-chartered bank (fed member) with $123.9M in total assets and $107.2M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1925.

Based on its Q2 2026 filing, Connect Bank scores 89/100, which we describe as very strong. That is higher than 94% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 6th. Its strongest component is capital cushion (100/100; 15.92%), and its lowest is loan quality (71/100; 0.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.92%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.88%
Earnings100/100
Return on assets (annualized): 2.14%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 74.6% · 19.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.00%

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 7 points (96 → 89), mostly because the loan quality component weakened by 27 points.

TellerScore
899397Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202496
Q4 202495
Q1 202595
Q2 202596
Q3 202595
Q4 202596
Q1 202697
Q2 202689
Tier 1 leverage ratio
5.00%10.66%16.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.93%
Q3 202416.27%
Q4 202414.94%
Q1 202515.62%
Q2 202515.79%
Q3 202516.31%
Q4 202514.91%
Q1 202615.16%
Q2 202615.92%
Noncurrent loans
0.03%0.46%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.18%
Q4 20240.22%
Q1 20250.13%
Q2 20250.06%
Q3 20250.24%
Q4 20250.03%
Q1 20260.05%
Q2 20260.88%
Return on assets
1.85%2.01%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.12%
Q3 20242.11%
Q4 20242.17%
Q1 20251.85%
Q2 20251.94%
Q3 20252.03%
Q4 20252.09%
Q1 20262.03%
Q2 20262.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$123.9M15.92%0.88%2.14%74.6%
Q1 202697$128.1M15.16%0.05%2.03%69.1%
Q4 202596$123.7M14.91%0.03%2.09%72.4%
Q3 202595$122.8M16.31%0.24%2.03%71.6%
Q2 202596$122.9M15.79%0.06%1.94%72.0%
Q1 202595$119.6M15.62%0.13%1.85%71.0%
Q4 202495$118.5M14.94%0.22%2.17%69.9%
Q3 202496$119.5M16.27%0.18%2.11%71.7%
Q2 202495$118.9M15.93%0.23%2.12%70.3%

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 ratio15.92%
90th
Total risk-based capital0.00%
24th
Problem loans0.88%
31st
Net charge-offs0.02%
41st
Return on assets2.14%
90th
Net interest margin5.25%
95th
Efficiency ratio58.3%
62nd
Loans to deposits74.6%
61st
Uninsured deposits19.5%
67th
Loan-loss reserves2.34%
96th
Texas ratio4.0%
41st

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Logan County BankBank Scranton, AR88 out of 100, Very strong$120.8M16.9%0.18%vs
First Naturalstate BankBank Mcgehee, AR81 out of 100, Strong$108.8M15.5%0.50%vs
Warren Bank and Trust CompanyBank Warren, AR75 out of 100, Strong$146.3M16.2%1.52%vs
Priority BankBank Fayetteville, AR49 out of 100, Below average$153.4M10.5%3.37%vs
Riverwind BankBank Augusta, AR68 out of 100, Moderate$167.8M9.1%0.16%vs
RiverBankBank Pocahontas, AR48 out of 100, Below average$174.4M12.2%3.42%vs

Deposit insurance

Is my money safe at Connect Bank?

Yes. Connect Bank is an FDIC-insured institution (FDIC certificate #5634). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.5% of deposits ($20.9M) 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 15.92%, 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

5 locations

Branches

Connect Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Connect Bank reported 76 home-loan applications under HMDA (LEI 549300RPCSICP6848N30): 43 originated ($4,845,000 total), 16 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.2%, 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
Connect Bank
Former names
Bank of Star City
Type
State-chartered bank (Fed member)
FDIC certificate #
5634
RSSD ID
126049
Primary regulator
FED
Holding company
Star City Bancshares Inc
Established
April 7, 1925
Headquarters
116 N Lincoln Ave, Star City, AR 71667
Employees
31

Quick answers

Connect Bank: common questions

Is Connect Bank FDIC insured?

Yes. Connect Bank is an FDIC-insured institution (FDIC certificate #5634). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Connect Bank's TellerScore?

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

Has Connect Bank ever failed?

There is no failure record for FDIC certificate #5634 in the FDIC failed bank list.

How many branches does Connect Bank have?

5 offices as of the latest FDIC data.

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First Naturalstate BankBank Mcgehee, AR81 out of 100, Strong$108.8M15.5%0.50%vs
Fairfield Federal Credit UnionCredit union Pine Bluff, AR78 out of 100, Strong$97.7M23.3%1.57%vs
Relyance BankBank White Hall, AR76 out of 100, Strong$1.4B13.3%0.40%vs
FBT Bank & MortgageBank Fordyce, AR72 out of 100, Strong$263.6M10.4%0.69%vs
Simmons BankBank Pine Bluff, AR60 out of 100, Moderate$24.7B9.2%0.92%vs