🏦Bank Scorer

ELK HORN BANK AND TRUST COMPANY

ARKADELPHIA, AR · Supervised by FDIC

Est. 1884FDIC #1,528RSSD: FDIC-1528
Part ofSOUTHERN BCORP INC→ View all charters
Satisfactory Down

Current rating · Exam: December 2004

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

601 Main St, ARKADELPHIA, AR

County

Clark County

Established

March 1, 1884

Total Assets

$2.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.8B

Total Deposits

$2.2B

Net Loans

$1.8B

Net Income

$6M

ROA

0.82%

ROE

6.06%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

55

Branch Deposits

$2.1B

1-Year Change

0

5-year net change: +9 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/17999bd4-2ae8-4e6a-87ea-1749bdccdac3"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: