Armor Bank
Forrest City, Arkansas, St. Francis County
$517M in total assets, the 1,774th largest of 4,309 US banks and 39th of 78 headquartered in Arkansas.
- FDIC certificate
- 28812
- Established
- 1919
- Owned by
- Big Creek Bancshares Inc
- Primary regulator
- FED
- Website
- www.armor.bank
At a glance
Compared with 48 banks headquartered in Arkansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $517M | 71% | $313M | |
| Loans | $395M | 79% | $216M | |
| Deposits | $460M | 71% | $270M | |
| Return on assets | 0.83% | 12% | 1.20% | |
| Net interest margin | 4.04% | 44% | 4.12% | |
| Efficiency ratio | 70.7% | 75% | 60.1% | |
| Equity to assets | 8.45% | 19% | 10.69% | |
| Loans to deposits | 86% | 54% | 84% |
Growth
Total assets grew 10.7% a year over the last 5 years and 26.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2019 | First Delta Bank Marked Tree, AR, an affiliate under the same holding company | $61M |
Where they operate
12 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Francis County, AR | $89M | 18.3% | 2 of 4 |
| Lee County, AR | $84M | 59.5% | 1 of 2 |
| Poinsett County, AR | $81M | 17.7% | 4 of 6 |
| Pulaski County, AR | $76M | 0.3% | 25 of 33 |
| Craighead County, AR | $54M | 1.3% | 19 of 24 |
| Benton County, AR | $47M | 0.4% | 23 of 34 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (2 to 12, +500.0%). 9 opened, 3 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2018 | Opened Little Rock | 1 | 0 | +1 | 3 |
| 2019 | Acquired First Delta BankOpened Jonesboro and Little Rock | 5 | 0 | +5 | 8 |
| 2021 | Opened 3 in ArkansasClosed Jonesboro | 3 | 1 | +2 | 10 |
| 2022 | Opened Hot SpringsClosed Hot Springs | 1 | 1 | 0 | 10 |
| 2023 | Opened Rogers | 1 | 0 | +1 | 11 |
| 2025 | Opened Little Rock | 1 | 0 | +1 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 22% | |
| 1-4 family residential | 31% | 31% | |
| Multifamily | 9% | 3% | |
| Business (C&I) | 8% | 11% | |
| Construction and land | 7% | 10% | |
| Agricultural | 5% | 6% | |
| Farmland | 3% | 11% | |
| Consumer | 1% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 45% | 38% | |
| Time deposits | 40% | 43% | |
| Noninterest-bearing | 15% | 19% |
Brokered deposits are 3.9% of deposits (peers 3.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.41% | 0.78% |
| Net charge-offs, annualized | -0.00% | 0.05% |
| Reserves to loans | 1.25% | 1.42% |
| Leverage ratio | 9.40% | 11.14% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in St. Francis County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/armor