TellerScore

Headquartered in Huntsville, Arkansas, Today's Bank is a state-chartered bank with $351.0M in total assets and $294.6M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1991.

Today's Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 57th. Problem-loan coverage contributes the most (84/100, 7.8%); capital cushion contributes the least (45/100, 9.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.54%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.74%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 82.8% · 14.4% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.81%

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 6 points (68 → 62), mostly because the loan quality component weakened by 24 points.

TellerScore
465768Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202459
Q4 202446
Q1 202552
Q2 202568
Q3 202566
Q4 202566
Q1 202664
Q2 202662
Tier 1 leverage ratio
5.00%7.27%9.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.12%
Q3 20249.07%
Q4 20248.85%
Q1 20258.98%
Q2 20258.93%
Q3 20259.17%
Q4 20259.21%
Q1 20269.33%
Q2 20269.54%
Noncurrent loans
0.04%0.85%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.72%
Q4 20241.66%
Q1 20251.60%
Q2 20250.04%
Q3 20250.26%
Q4 20250.23%
Q1 20260.58%
Q2 20260.74%
Return on assets
0.05%0.40%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.47%
Q4 20240.05%
Q1 20250.65%
Q2 20250.66%
Q3 20250.65%
Q4 20250.68%
Q1 20260.71%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$351.0M9.54%0.74%0.75%82.8%
Q1 202664$347.6M9.33%0.58%0.71%81.5%
Q4 202566$350.6M9.21%0.23%0.68%77.2%
Q3 202566$337.1M9.17%0.26%0.65%76.2%
Q2 202568$346.2M8.93%0.04%0.66%75.3%
Q1 202552$345.2M8.98%1.60%0.65%79.6%
Q4 202446$335.9M8.85%1.66%0.05%82.5%
Q3 202459$345.7M9.07%0.72%0.47%82.8%
Q2 202465$342.6M9.12%0.13%0.44%84.2%

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 ratio9.54%
22nd
Total risk-based capital15.06%
68th
Problem loans0.74%
36th
Net charge-offs0.01%
49th
Return on assets0.75%
21st
Net interest margin3.86%
45th
Efficiency ratio78.6%
15th
Loans to deposits82.8%
44th
Uninsured deposits14.4%
84th
Loan-loss reserves1.22%
54th
Texas ratio7.8%
24th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Union Bank & Trust CompanyBank Monticello, AR66 out of 100, Moderate$355.8M10.2%1.11%vs
Bank of 1889Bank Berryville, AR72 out of 100, Strong$339.2M10.8%0.84%vs
Commercial Bank & Trust CompanyBank Monticello, AR40 out of 100, Below average$364.0M11.3%5.40%vs
Bank of EnglandBank England, AR57 out of 100, Moderate$332.3M19.9%4.26%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
Merchants & Planters' BankBank Newport, AR62 out of 100, Moderate$379.4M10.2%1.29%vs

Deposit insurance

Is my money safe at Today's Bank?

Yes. Today's Bank is an FDIC-insured institution (FDIC certificate #33470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.4% of deposits ($42.4M) 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 9.54%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.06% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Today's Bank lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Today's Bank reported 26 home-loan applications under HMDA (LEI 254900H07R1I9HDMFT89): 20 originated ($10,190,000 total), 5 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, 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
Today's Bank
Former names
First State Bank of Northwest Arkansas; First State Bank
Type
State-chartered bank
FDIC certificate #
33470
RSSD ID
1879016
Primary regulator
FDIC
Holding company
Mathias Bancshares Inc
Established
July 26, 1991
Headquarters
432 Harmony Rd, Huntsville, AR 72740
Employees
72

Quick answers

Today's Bank: common questions

Is Today's Bank FDIC insured?

Yes. Today's Bank is an FDIC-insured institution (FDIC certificate #33470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Today's Bank's TellerScore?

62 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 Today's Bank ever failed?

There is no failure record for FDIC certificate #33470 in the FDIC failed bank list.

How many branches does Today's Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Huntsville

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
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Bank of 1889Bank Berryville, AR72 out of 100, Strong$339.2M10.8%0.84%vs