MCILROY BANK & TRUST

FAYETTEVILLE, AR · Supervised by FDIC

Est. 1871FDIC #8,728RSSD: FDIC-8728

Part ofARVEST BANK GROUP INC→ View all charters

Outstanding Same

Current rating · Exam: January 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.54%

Institution Profile

FDIC BankFind

Website

www.arvest.com

Address

75 N East Ave, FAYETTEVILLE, AR

County

Washington County

Established

January 1, 1871

Total Assets

$28.0B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$28.0B

Total Deposits

$24.7B

Net Loans

$19.6B

Net Income

$38M

ROA

0.54%

ROE

6.58%

Risk-Based Capital

12.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

224

Branch Deposits

$24.1B

1-Year Change

5-year net change: -49 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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