RANKING ·
Lowest efficiency ratio in Arkansas
72 of 78 banks in Arkansas that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Central Bank | Little Rock, AR | 35.4% | $955 million |
| 2 | Bank Ozk | Little Rock, AR | 39.7% | $41.7 billion |
| 3 | Petit Jean State Bank | Morrilton, AR | 39.7% | $260 million |
| 4 | Peoples Bank | Sheridan, AR | 41.7% | $314 million |
| 5 | First Security Bank | Searcy, AR | 42.4% | $8.6 billion |
| 6 | First National Bank of Izard County | Calico Rock, AR | 43.3% | $235 million |
| 7 | Cross Bank | Wynne, AR | 43.8% | $593 million |
| 8 | Centennial Bank | Conway, AR | 43.8% | $24.6 billion |
| 9 | Bank of Delight | Delight, AR | 46.7% | $201 million |
| 10 | Citizens Bank & Trust Company | Van Buren, AR | 47.6% | $566 million |
| 11 | The First National Bank of Fort Smith | Fort Smith, AR | 47.7% | $2.3 billion |
| 12 | Horatio State Bank | Horatio, AR | 48.0% | $312 million |
| 13 | The Citizens Bank | Batesville, AR | 48.3% | $1.6 billion |
| 14 | Fm Bank and Trust | Blytheville, AR | 48.6% | $1.4 billion |
| 15 | Logan County Bank | Scranton, AR | 50.2% | $121 million |
| 16 | Union Bank | Mena, AR | 50.7% | $710 million |
| 17 | Anstaff Bank | Green Forest, AR | 51.3% | $1.2 billion |
| 18 | Bank of Salem | Salem, AR | 53.1% | $262 million |
| 19 | First Financial Bank | El Dorado, AR | 53.2% | $2.0 billion |
| 20 | Smackover State Bank | Smackover, AR | 54.1% | $252 million |
| 21 | First State Bank of Dequeen | De Queen, AR | 54.4% | $525 million |
| 22 | Riverbank | Pocahontas, AR | 54.5% | $174 million |
| 23 | First Community Bank | Batesville, AR | 55.4% | $3.6 billion |
| 24 | Stone Bank | Mountain View, AR | 55.5% | $951 million |
| 25 | Generations Bank | Rogers, AR | 56.2% | $1.1 billion |
| 26 | Legacy National Bank | Springdale, AR | 56.4% | $1.3 billion |
| 27 | Diamond Bank | Murfreesboro, AR | 56.8% | $957 million |
| 28 | First National Bank | Paragould, AR | 57.0% | $2.6 billion |
| 29 | Cs Bank | Eureka Springs, AR | 57.1% | $628 million |
| 30 | Connect Bank | Star City, AR | 57.1% | $124 million |
| 31 | Producers Bank & Trust | Mcgehee, AR | 57.3% | $213 million |
| 32 | First State Bank | Lonoke, AR | 57.5% | $328 million |
| 33 | Simmons Bank | Pine Bluff, AR | 57.6% | $24.7 billion |
| 34 | Union Bank & Trust Company | Monticello, AR | 57.6% | $356 million |
| 35 | Fidelity Bank | West Memphis, AR | 59.2% | $547 million |
| 36 | Signature Bank of Arkansas | Fayetteville, AR | 59.6% | $1.6 billion |
| 37 | Farmers Bank & Trust Company | Magnolia, AR | 59.7% | $3.2 billion |
| 38 | Chambers Bank | Danville, AR | 60.2% | $1.6 billion |
| 39 | Relyance Bank | White Hall, AR | 60.3% | $1.4 billion |
| 40 | Bodcaw Bank | Stamps, AR | 60.7% | $247 million |
| 41 | First National Bank of Eastern Arkansas | Forrest City, AR | 61.5% | $589 million |
| 42 | Fnbc Bank | Ash Flat, AR | 61.5% | $843 million |
| 43 | First National Bank of Commerce | Walnut Ridge, AR | 62.3% | $297 million |
| 44 | Bank of 1889 | Berryville, AR | 62.8% | $339 million |
| 45 | Merchants and Farmers Bank | Dumas, AR | 63.6% | $298 million |
| 46 | First Naturalstate Bank | Mcgehee, AR | 63.6% | $109 million |
| 47 | The Farmers & Merchants Bank | Stuttgart, AR | 64.1% | $2.0 billion |
| 48 | Commercial Bank & Trust Company | Monticello, AR | 64.5% | $364 million |
| 49 | Partners Bank | Helena, AR | 65.2% | $417 million |
| 50 | Farmers Bank | Greenwood, AR | 68.0% | $289 million |
| 51 | The Malvern National Bank | Malvern, AR | 68.6% | $728 million |
| 52 | First Service Bank | Greenbrier, AR | 68.7% | $1.0 billion |
| 53 | First Western Bank | Booneville, AR | 69.1% | $793 million |
| 54 | Warren Bank and Trust Company | Warren, AR | 69.3% | $146 million |
| 55 | Armor Bank | Forrest City, AR | 69.5% | $517 million |
| 56 | Southern Bancorp Bank | Arkadelphia, AR | 69.8% | $3.0 billion |
| 57 | Riverwind Bank | Augusta, AR | 70.0% | $168 million |
| 58 | United Bank | Springdale, AR | 71.3% | $296 million |
| 59 | Fbt Bank & Mortgage | Fordyce, AR | 72.2% | $264 million |
| 60 | Merchants & Planters Bank | Newport, AR | 72.4% | $379 million |
| 61 | The Peoples Bank | Magnolia, AR | 72.7% | $196 million |
| 62 | Priority Bank | Fayetteville, AR | 72.8% | $153 million |
| 63 | First Arkansas Bank and Trust | Jacksonville, AR | 73.2% | $1.1 billion |
| 64 | Bank of Little Rock | Little Rock, AR | 73.4% | $253 million |
| 65 | Today'S Bank | Huntsville, AR | 79.6% | $351 million |
| 66 | Arvest Bank | Fayetteville, AR | 80.0% | $28.1 billion |
| 67 | Bank of Cave City | Cave City, AR | 80.7% | $194 million |
| 68 | Encore Bank | Little Rock, AR | 82.6% | $3.7 billion |
| 69 | Eagle Bank and Trust Company | Little Rock, AR | 84.8% | $506 million |
| 70 | Gateway Bank | Rison, AR | 89.8% | $181 million |
| 71 | Bank of England | England, AR | 92.4% | $332 million |
| 72 | Evolve Bank & Trust | West Memphis, AR | 106.7% | $1.2 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings