TellerScore

Eagle Bank and Trust Company (FDIC certificate #3873) is based in Little Rock, Arkansas. Its Q2 2026 call report shows $505.7M in total assets and $433.0M in deposits and 13 offices.

Eagle Bank and Trust Company has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 9th. Capital cushion contributes the most (100/100, 16.35%); earnings contributes the least (62/100, 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.35%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 51.6% · 37.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.59%

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 rose 3 points (80 → 83), mostly because the earnings component improved by 17 points.

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202480
Q1 202579
Q2 202580
Q3 202579
Q4 202581
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%10.81%16.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.92%
Q3 202416.02%
Q4 202415.70%
Q1 202516.00%
Q2 202516.13%
Q3 202516.63%
Q4 202516.27%
Q1 202616.30%
Q2 202616.35%
Noncurrent loans
0.40%0.66%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.40%
Q4 20240.60%
Q1 20250.49%
Q2 20250.66%
Q3 20250.92%
Q4 20250.68%
Q1 20260.59%
Q2 20260.65%
Return on assets
0.37%0.76%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.70%
Q4 20240.62%
Q1 20250.37%
Q2 20250.62%
Q3 20250.76%
Q4 20250.70%
Q1 20261.15%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$505.7M16.35%0.65%1.04%51.6%
Q1 202684$498.6M16.30%0.59%1.15%51.1%
Q4 202581$498.1M16.27%0.68%0.70%49.2%
Q3 202579$479.5M16.63%0.92%0.76%50.6%
Q2 202580$479.3M16.13%0.66%0.62%48.0%
Q1 202579$486.1M16.00%0.49%0.37%45.3%
Q4 202480$480.8M15.70%0.60%0.62%45.3%
Q3 202483$479.6M16.02%0.40%0.70%46.4%
Q2 202482$481.8M15.92%0.41%0.75%45.3%

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 ratio16.35%
91st
Total risk-based capital0.00%
24th
Problem loans0.65%
39th
Net charge-offs0.07%
24th
Return on assets1.04%
36th
Net interest margin3.72%
38th
Efficiency ratio81.7%
12th
Loans to deposits51.6%
91st
Uninsured deposits37.0%
14th
Loan-loss reserves1.22%
53rd
Texas ratio2.6%
51st

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Armor BankBank Forrest City, AR66 out of 100, Moderate$516.9M9.4%0.41%vs
First State Bank of DeQueenBank De Queen, AR64 out of 100, Moderate$525.1M8.5%1.23%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 Eagle Bank and Trust Company?

Yes. Eagle Bank and Trust Company is an FDIC-insured institution (FDIC certificate #3873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.0% of deposits ($160.1M) 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 16.35%, 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

13 locations

Branches

Eagle Bank and Trust Company lists 13 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eagle Bank and Trust Company reported 2,619 home-loan applications under HMDA (LEI 549300QFP6J5QSZVF805): 2,030 originated ($537,480,000 total), 105 denied, and 462 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, 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
Eagle Bank and Trust Company
Former names
Heber Springs State Bank; The Arkansas National Bank of Heber Springs
Type
State-chartered bank (Fed member)
FDIC certificate #
3873
RSSD ID
453446
Primary regulator
FED
Holding company
State Holding Co
Established
January 1, 1919
Headquarters
650 S Shackleford Rd, Little Rock, AR 72211
Employees
167

Quick answers

Eagle Bank and Trust Company: common questions

Is Eagle Bank and Trust Company FDIC insured?

Yes. Eagle Bank and Trust Company is an FDIC-insured institution (FDIC certificate #3873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Eagle Bank and Trust Company'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 Eagle Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #3873 in the FDIC failed bank list.

How many branches does Eagle Bank and Trust Company have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Little Rock

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
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Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs