Anstaff Bank
Green Forest, Arkansas, Carroll County
$1.2B in total assets, the 929th largest of 4,309 US banks and 21st of 78 headquartered in Arkansas.
- FDIC certificate
- 3869
- Established
- 1931
- Owned by
- First National Bcorp Inc
- Primary regulator
- FED
- Website
- www.anstaff.bank
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 16% | $1.6B | |
| Loans | $913M | 21% | $1.4B | |
| Deposits | $1.1B | 21% | $1.5B | |
| Return on assets | 1.86% | 79% | 1.23% | |
| Net interest margin | 4.01% | 47% | 4.01% | |
| Efficiency ratio | 52.8% | 21% | 57.5% | |
| Equity to assets | 9.56% | 42% | 11.19% | |
| Loans to deposits | 86% | 37% | 89% |
Growth
Total assets grew 4.8% a year over the last 5 years and 10.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2017 | Twin Lakes Community Bank Flippin, AR, an affiliate under the same holding company | $126M |
| Sep 2003 | Madison Bank and Trust Kingston, AR | $27M |
Where they operate
14 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Boone County, AR | $381M | 30.5% | 1 of 10 |
| Carroll County, AR | $269M | 26.5% | 2 of 5 |
| Baxter County, AR | $190M | 11.7% | 4 of 10 |
| Madison County, AR | $89M | 21.1% | 3 of 5 |
| Newton County, AR | $85M | 55.0% | 1 of 3 |
| Marion County, AR | $43M | 11.1% | 3 of 6 |
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 5 branches since 2016 (9 to 14, +55.6%). 2 opened, 3 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2017 | Acquired Twin Lakes Community Bank | 3 | 0 | +3 | 12 |
| 2019 | Opened Mountain Home | 1 | 0 | +1 | 13 |
| 2024 | Opened Green Forest | 1 | 0 | +1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 25% | 29% | |
| Farmland | 24% | 9% | |
| 1-4 family residential | 23% | 23% | |
| Business (C&I) | 9% | 14% | |
| Construction and land | 6% | 13% | |
| Multifamily | 5% | 5% | |
| Agricultural | 4% | 3% | |
| Consumer | 3% | 2% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 43% | 34% | |
| Other interest-bearing | 43% | 47% | |
| Noninterest-bearing | 14% | 18% |
Brokered deposits are 0.2% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.14% | 0.40% |
| Net charge-offs, annualized | 0.03% | 0.10% |
| Reserves to loans | 1.23% | 1.29% |
| Leverage ratio | 10.20% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Boone 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/anstaff