$190M
−3.0%y/y
Percentile by value52nd percentileby value
FDIC
ASSETBC
Bank of Cave City
Cave City, ArkansasFDIC Cert #105
STATEEstablished 19065 branches
Holding company: SHARP BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBank of Cave City reported $190M in total assets. Deposits grew 0.96% over the prior year.
Return on assets was 0.76%, compared with an asset-peer median of 1.18%. The leverage ratio was 8.56%.
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$167M
+1.0%y/y
Percentile by value56th percentileby value
FDIC
DEP$124M
−5.7%y/y
Percentile by value57th percentileby value
FDIC
LNLSNET0.76%
−24 bpsy/y
Peer standing26th percentile
FDIC
NETINC + ROA81.50%
+505 bpsy/y
Peer standing16th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.56%
+32 bpsy/y
Peer standing7th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $157M | $133M |
| Q3 2021 | $156M | $135M |
| Q4 2021 | $160M | $140M |
| Q1 2022 | $161M | $143M |
| Q2 2022 | $157M | $142M |
| Q3 2022 | $162M | $142M |
| Q4 2022 | $165M | $141M |
| Q1 2023 | $175M | $145M |
| Q2 2023 | $176M | $143M |
| Q3 2023 | $176M | $144M |
| Q4 2023 | $181M | $150M |
| Q1 2024 | $185M | $153M |
| Q2 2024 | $187M | $157M |
| Q3 2024 | $186M | $155M |
| Q4 2024 | $191M | $162M |
| Q1 2025 | $195M | $166M |
| Q2 2025 | $191M | $169M |
| Q3 2025 | $192M | $170M |
| Q4 2025 | $190M | $167M |
| Q1 2026 | $190M | $167M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $10.9M |
| Investor CRE | $3.45M |
| Multifamily | $1.09M |
| Construction | $3.77M |
| 1–4 family | $21.6M |
| C&I | $8.27M |
| Agriculture | $71.5M |
| Other | $4.53M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.76%26th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE12.48%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.32%72nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR81.50%16th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+0.96%28th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−5.68%7th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.82%15th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ8.56%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%44th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC48%30th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.76%12th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.69%Median 1.24%90th 2.04%Observations 78
ROE
FDIC
NETINC + ROE12.48%56th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.19%Median 11.80%90th 19.41%Observations 78
NIM
FDIC
NIM + NIMY4.32%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.87%Observations 78
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR81.50%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 59.70%90th 77.70%Observations 78
Deposits YoY
FDIC
DEP+0.96%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.85%Median +5.44%90th +15.40%Observations 78
Loans YoY
FDIC
LNLSNET−5.68%6th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.76%Median +6.31%90th +17.60%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.82%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.67%90th 2.39%Observations 78
Leverage
FDIC
RBC1AAJ8.56%1st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.09%Median 10.90%90th 15.93%Observations 78
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.70%90th 3.34%Observations 78
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC48%6th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 72%Median 238%90th 298%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.76%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.83%Median 1.29%90th 2.09%Observations 21
ROE
FDIC
NETINC + ROE12.48%65th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.51%Median 11.88%90th 17.23%Observations 21
NIM
FDIC
NIM + NIMY4.32%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.42%Median 4.27%90th 4.94%Observations 21
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR81.50%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.02%Median 66.67%90th 74.53%Observations 21
Deposits YoY
FDIC
DEP+0.96%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +5.49%90th +14.03%Observations 21
Loans YoY
FDIC
LNLSNET−5.68%5th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.20%Median +5.96%90th +15.42%Observations 21
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.82%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.18%Median 1.04%90th 2.67%Observations 21
Leverage
FDIC
RBC1AAJ8.56%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.33%Median 12.44%90th 17.19%Observations 21
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%65th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.98%Median 2.76%90th 3.17%Observations 21
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC48%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 37%Median 53%90th 177%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Cave City, AR
FDIC
OFFDOMOpen the Arkansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data