Bank of England
England, AR·RSSD 244149·FDIC 13303·bank:244149·Risk-based ratios where reported
- #47 of 78Total assets in Arkansas
- 151offices
- 97employees
- Top 3%Fee income vs. peers
- #3 of 73Lowest cost of deposits in Arkansas
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bank of England
5 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter92.4%peers 60.8%+31.6 pp
Bank of England's efficiency ratio fell 24.5 percentage points over the past year to 92.4%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 92.4% | 60.8% | +31.6 pp |
| 12-month change | ||
| -24.5 pp | -2.1 pp | -22.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of England itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter0.30%peers 1.32%-102 bps
Bank of England's annualized return on assets rose 104 bps over the past year to 0.30%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 0.30% | 1.32% | -102 bps |
| 12-month change | ||
| +104 bps | +14 bps | +90 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of England itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-5.8%peers +5.5%-11.3 pp
Bank of England's loans declined 5.8% over the past year to $98.5 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -5.8% | +5.5% | -11.3 pp |
| Loans | ||
| $98.5 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of England itself is left out of every peer median and percentile. How signals work
Unrealized securities position worsening while the peer median improvesWorth a look: Capital 2nd quarter-5.6%peers -7.5%+1.9 pp
Bank of England's unrealized securities gain or loss relative to Tier 1 capital fell 0.2 percentage points over the past year to -5.6%. Among 1434 similar banks, the median rose 3.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -5.6% | -7.5% | +1.9 pp |
| 12-month change | ||
| -0.2 pp | +3.1 pp | -3.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of England itself is left out of every peer median and percentile. How signals work
1 more observation
- Fee and other noninterest income among the highest of similar banksEarnings
Key facts
- Bank of England is a bank headquartered in England, Arkansas. It reported $332 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $254 million, down 0.3% from a year earlier, and loans totaled $98.5 million, down 5.8%.
- Its net interest margin was 3.74% and its annualized return on assets was 0.30% for the quarter.
- Its cost of all deposits was 1.15%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bank of England's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Bank of England · Bank
- Federal Reserve RSSD
- 244149
- FDIC certificate
- 13303
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of England itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $245K | — | |
| $3.5M | — | |
| $778K | — | |
| $2.72M | — | |
| $2.32M | — | |
| $4.66M | — | |
| $75K | — | |
| $75K | — | |
| 0.30% | 0.30%ROAQ · Quarter | |
| 3.74% | 3.73%NIMYQ · Quarter | |
| 92.43% | 92.43%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.