TellerScore

Signature Bank of Arkansas is a state-chartered bank (fed member) headquartered in Fayetteville, Arkansas, in business for about 93 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.4B in deposits, with 11 offices.

Signature Bank of Arkansas has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 47th. Loan quality contributes the most (99/100, 0.04%); funding & liquidity contributes the least (40/100, 93% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.57%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 93.3% · 38.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.32%

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 2 points (65 → 67), mostly because the capital cushion component improved by 5 points.

TellerScore
646667Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202466
Q4 202465
Q1 202565
Q2 202565
Q3 202564
Q4 202566
Q1 202667
Q2 202667
Tier 1 leverage ratio
5.00%7.56%10.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.07%
Q3 202410.11%
Q4 20249.84%
Q1 20259.35%
Q2 20259.12%
Q3 20258.94%
Q4 20258.98%
Q1 20269.65%
Q2 20269.57%
Noncurrent loans
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.01%
Q1 20250.04%
Q2 20250.03%
Q3 20250.03%
Q4 20250.00%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.52%0.81%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.69%
Q4 20240.69%
Q1 20250.91%
Q2 20250.98%
Q3 20251.02%
Q4 20251.09%
Q1 20261.01%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.6B9.57%0.04%1.09%93.3%
Q1 202667$1.6B9.65%0.00%1.01%90.2%
Q4 202566$1.5B8.98%0.00%1.09%94.4%
Q3 202564$1.5B8.94%0.03%1.02%96.4%
Q2 202565$1.4B9.12%0.03%0.98%95.4%
Q1 202565$1.4B9.35%0.04%0.91%93.7%
Q4 202465$1.3B9.84%0.01%0.69%97.1%
Q3 202466$1.2B10.11%0.00%0.69%94.2%
Q2 202464$1.2B10.07%0.00%0.52%96.5%

897 peers · $1 billion – $10 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 ratio9.57%
24th
Total risk-based capital13.17%
44th
Problem loans0.04%
92nd
Net charge-offs0.01%
65th
Return on assets1.09%
37th
Net interest margin3.72%
51st
Efficiency ratio61.5%
42nd
Loans to deposits93.3%
31st
Uninsured deposits38.9%
30th
Loan-loss reserves1.17%
53rd
Texas ratio0.3%
92nd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Relyance BankBank White Hall, AR76 out of 100, Strong$1.4B13.3%0.40%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
The Farmers & Merchants BankBank Stuttgart, AR67 out of 100, Moderate$2.0B9.8%0.39%vs

Deposit insurance

Is my money safe at Signature Bank of Arkansas?

Yes. Signature Bank of Arkansas is an FDIC-insured institution (FDIC certificate #89). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.9% of deposits ($558.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.57%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.17% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Signature Bank of Arkansas lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Signature Bank of Arkansas reported 514 home-loan applications under HMDA (LEI 25490046GL77VSFSYG24): 422 originated ($196,390,000 total), 18 denied, and 60 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, 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
Signature Bank of Arkansas
Former names
First Bank of South Arkansas; Union State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
89
RSSD ID
3350724
Primary regulator
FED
Holding company
White River Bancshares Co
Established
August 18, 1933
Headquarters
3878 N Crossover Rd, Fayetteville, AR 72703
Employees
230

Quick answers

Signature Bank of Arkansas: common questions

Is Signature Bank of Arkansas FDIC insured?

Yes. Signature Bank of Arkansas is an FDIC-insured institution (FDIC certificate #89). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Signature Bank of Arkansas's TellerScore?

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

Has Signature Bank of Arkansas ever failed?

There is no failure record for FDIC certificate #89 in the FDIC failed bank list.

How many branches does Signature Bank of Arkansas have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fayetteville

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Uark Federal Credit UnionCredit union Fayetteville, AR82 out of 100, Strong$81.9M13.2%0.32%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs