Smackover State Bank
Smackover, AR
IDRSSD: 676049
Total Assets
$256.95M
Latest filing
Total Deposits
$205.86M
Latest filing
Net Interest Margin
2.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Smackover State Bank
708 Broadway St
Smackover, AR 71762
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/18/1928FDIC Certificate 3830
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Smackover State Bank (Main) | 708 Broadway St | Smackover, AR |
| NORPHLET BRANCH | 300 East Padgett Road | Norphlet, AR |
| 125 WEST 5TH BRANCH | 125 W 5th St | El Dorado, AR |
| EL DORADO BRANCH | 602 S Timberlane Dr | El Dorado, AR |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/18/1928 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71762 |
| State and County Number | 05139 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | El Dorado, AR |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.smackoverbank.com |
| Data Updated | 11/14/2025 |
| CERT | 5623 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $256.95M |
| Total Deposits | $205.86M |
| Total Liabilities | $231.96M |
| Total Equity Capital | $24.99M |
| Net Income | $743.00k |
| Net Loans and Leases | $172.09M |
| Assets Per Employee ($Millions) | $7.56M |
| Bank Premises and Fixed Assets | $1.74M |
| Cash and Balances due from Depository Institutions | $4.74M |
| Deposits Held in Domestic Offices | $205.86M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 12.11% |
| Net Interest Margin | 2.88% |
| Efficiency Ratio | 45.87% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.727% |
| Earning Assets to total Assets | 96.4% |
Income and Expense
| Total Interest Income | $3.25M |
| Total Noninterest Income | $150.00k |
| Total Interest Expense | $1.48M |
| Total Noninterest Expense | $884.00k |
| Net Interest Income | $1.78M |
| Pre-tax Net Operating Income | $858.00k |
| Provision for Credit Losses | $185.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $38.00k |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.70M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.11M |
| Total Liabilities and Capital | $256.95M |
Securities
| Securities | $72.68M |
| Available-for-sale debt securities | $34.37M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $38.30M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Smackover State Bank?
$256.95M as of the latest filing.
How much are Smackover State Bank's total deposits?
$205.86M in total deposits.
Where is Smackover State Bank located?
Smackover, AR.
What is the Net Interest Margin?
2.88%.
How many domestic offices does it operate?
4.
When was it established?
04/18/1928.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$172.09M (latest filing).
What is the total interest income (latest filing)?
$3.25M.