Bank of Cave City: how it compares with its peers
Against 31 AR banks with half to twice its assets, Bank of Cave City's strongest measure in Q2 2026 is net interest margin (4.35% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (81.11% vs. 63.42%).
| Measure | Bank of Cave City | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.22% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.14% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.11% | 63.42% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $5.9M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.18% | 82.79% | Context |
What it means for lending operations
Its efficiency ratio of 81.11% is above the 63.42% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Peoples Bank Magnolia, AR · $196M
- Bank of Delight Delight, AR · $201M
- Gateway Bank Rison, AR · $181M
- Producers Bank & Trust Mcgehee, AR · $213M
- RiverBank Pocahontas, AR · $174M
- Riverwind Bank Augusta, AR · $168M
Questions about Bank of Cave City
How big is Bank of Cave City?
Bank of Cave City, established in 1906, is headquartered in Cave City, AR. It reported $194M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of Cave City's return on assets?
0.78% annualized in Q2 2026, against a 1.22% median for 31 AR banks with half to twice its assets, ahead of 16% of them.
What is Bank of Cave City's efficiency ratio?
81.11% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 63.42%, and lower is better.
Is Bank of Cave City growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.