Arvest Bank

Arvest Bank is headquartered in Fayetteville and is the largest bank in the state of Arkansas. It is also the 91^st largest bank in the nation. It was established in 1871 and as of December of 2011, it had grown to 5,036 employees at 241 locations. Arvest Bank has a 4-star health rating.

Arvest Bank Checking Account Rates

Arvest Bank Savings Account Rates

Arvest Bank Money Market Rates

Arvest Bank CD Rates

Data for Q4 2011

Institution Statistics Arvest Bank FDIC Certificate # 8728 BankRate Report View Year Established 1871 Employees 5036 Primary Regulator FED Assets and Liabilities Assets $12.52 billion Loans $7.20 billion Deposits $10.45 billion Equity Capital $1.32 billion Loan Loss Allowance $201.00 million Unbacked Noncurrent Loans $298.88 million Real Estate Owned $62.07 million Historic Data - December 2010 Assets $11.52 billion Equity Capital $1.24 billion Loan Loss Allowance $194.53 million Unbacked Noncurrent Loans $292.40 million Real Estate Owned $62.34 million Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets 0.68% Return on Equity 6.38% Interest Income $448.26 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Arvest Bank had $360.95 million in non-current loans and owned real-estate with $1.53 billion in equity and loan loss allowances on hand to cover it. This gives Arvest Bank a Texas Ratio of 23.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arvest Bank held steady from 27.29% as of December 31, 2010 to 23.67% as of December 31, 2011, resulting in a positive change of 13.27%.This indicates that the balance sheet and financial strength for Arvest Bank has held steady in recent periods. Deposit Growth In the past year, Arvest Bank has increased its total deposits by $938.63 million, resulting in 9.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arvest Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arvest Bank has $12.52 billion in assets with $1.53 billion in equity, resulting in a capitalization level of 12.18%, which is excellent.