Bank of 1889: how it compares with its peers
Against 35 AR banks with half to twice its assets, Bank of 1889's strongest measure in Q2 2026 is net interest margin (6.07% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($3.6M vs. $6.2M).
| Measure | Bank of 1889 | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.21% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.07% | 4.14% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.42% | 59.35% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.6M | $6.2M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.89% | 82.79% | Context |
What it means for lending operations
Its efficiency ratio of 63.42% is above the 59.35% 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
- Bank of England England, AR · $332M
- First State Bank Lonoke, AR · $328M
- Today's Bank Huntsville, AR · $351M
- Union Bank & Trust Company Monticello, AR · $356M
- Commercial Bank & Trust Company Monticello, AR · $364M
- PEOPLES BANK Sheridan, AR · $314M
Questions about Bank of 1889
How big is Bank of 1889?
Bank of 1889, established in 1889, is headquartered in Berryville, AR. It reported $339M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Bank of 1889's return on assets?
2.01% annualized in Q2 2026, against a 1.21% median for 35 AR banks with half to twice its assets, ahead of 89% of them.
What is Bank of 1889's efficiency ratio?
63.42% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 59.35%, and lower is better.
Is Bank of 1889 growing its loans?
Net loans grew 5.1% over the year to Q2 2026, while deposits grew 11.0%.
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.