Headquartered in Smackover, Arkansas, Smackover State Bank is a state-chartered bank with $252.4M in total assets and $210.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1928.
Based on its Q2 2026 filing, Smackover State Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 44th. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is capital cushion (60/100; 11.04%).
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 rose 2 points (66 → 68), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 66 |
| Q3 2025 | 71 |
| Q4 2025 | 66 |
| Q1 2026 | 63 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.36% |
| Q3 2024 | 11.00% |
| Q4 2024 | 11.12% |
| Q1 2025 | 10.52% |
| Q2 2025 | 10.41% |
| Q3 2025 | 10.53% |
| Q4 2025 | 10.57% |
| Q1 2026 | 10.79% |
| Q2 2026 | 11.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.78% |
| Q1 2026 | 1.27% |
| Q2 2026 | 0.83% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $252.4M | 11.04% | 0.83% | 1.17% | 83.0% |
| Q1 2026 | 63 | $248.7M | 10.79% | 1.27% | 1.18% | 82.5% |
| Q4 2025 | 66 | $251.4M | 10.57% | 0.78% | 1.01% | 83.6% |
| Q3 2025 | 71 | $257.0M | 10.53% | 0.12% | 0.92% | 83.6% |
| Q2 2025 | 66 | $256.1M | 10.41% | 0.50% | 0.80% | 81.9% |
| Q1 2025 | 69 | $248.2M | 10.52% | 0.25% | 0.76% | 78.8% |
| Q4 2024 | 69 | $237.4M | 11.12% | 0.24% | 0.40% | 77.0% |
| Q3 2024 | 68 | $233.8M | 11.00% | 0.20% | 0.30% | 72.3% |
| Q2 2024 | 68 | $226.9M | 11.36% | 0.36% | 0.22% | 70.4% |
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 |
|---|---|---|---|---|---|
| Bank of Little RockBank Little Rock, AR | 56 out of 100, Moderate | $252.9M | 8.6% | 0.51% | vs |
| Bodcaw BankBank Stamps, AR | 60 out of 100, Moderate | $247.3M | 10.9% | 1.38% | vs |
| Petit Jean State BankBank Morrilton, AR | 93 out of 100, Very strong | $260.0M | 16.9% | 0.63% | vs |
| Bank of SalemBank Salem, AR | 71 out of 100, Strong | $261.5M | 12.4% | 1.79% | vs |
| FBT Bank & MortgageBank Fordyce, AR | 72 out of 100, Strong | $263.6M | 10.4% | 0.69% | vs |
| The First National Bank of Izard CountyBank Calico Rock, AR | 80 out of 100, Strong | $234.8M | 31.1% | 2.09% | vs |
Deposit insurance
Is my money safe at Smackover State Bank?
Yes. Smackover State Bank is an FDIC-insured institution (FDIC certificate #5623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.7% of deposits ($60.5M) 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 11.04%, 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%).
4 locations
Branches
Smackover State Bank lists 4 offices in 3 cities. Most locations:
- El Dorado, AR (2)
- Norphlet, AR (1)
- Smackover, AR (1)
Identity & history
Profile
- Legal name
- Smackover State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5623
- RSSD ID
- 676049
- Primary regulator
- FDIC
- Holding company
- Smackover Bancshares Inc
- Established
- April 18, 1928
- Headquarters
- 708 Broadway St, Smackover, AR 71762
- Website
- www.smackoverbank.com
- Employees
- 34
Quick answers
Smackover State Bank: common questions
Is Smackover State Bank FDIC insured?
Yes. Smackover State Bank is an FDIC-insured institution (FDIC certificate #5623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Smackover State Bank's TellerScore?
68 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 Smackover State Bank ever failed?
There is no failure record for FDIC certificate #5623 in the FDIC failed bank list.
How many branches does Smackover State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Smackover
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lion Federal Credit UnionCredit union El Dorado, AR | 92 out of 100, Very strong | $18.0M | 18.7% | 0.09% | vs |
| Red River Employees Federal Credit UnionCredit union Texarkana, TX | 77 out of 100, Strong | $1.6B | 13.9% | 0.94% | vs |
| River Valley Community Federal Credit UnionCredit union Camden, AR | 74 out of 100, Strong | $64.3M | 13.9% | 1.25% | vs |
| Bank of SalemBank Salem, AR | 71 out of 100, Strong | $261.5M | 12.4% | 1.79% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Generations BankBank Rogers, AR | 63 out of 100, Moderate | $1.1B | 11.5% | 1.51% | vs |