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Overview / Commentary
311 Main Street
Mulberry, AR 72947 is headquartered in Mulberry and is the 78th largest bank in the state of Arkansas. It is also the 3,930th largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 53 employees at 8 locations. has a C- health rating.

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The Premium NOW account is $9.95 a month, regardless of balance.

Rates For Justbankit

Spoke with JustBankIt/Allied Bank this morning regarding their 6 month rate of 1.50% APY.  The representative advised the rate was a typo and their correct rate is 0.40% APY.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 had $16.98 million in non-current loans and owned real-estate with $13.44 million in equity and loan loss allowances on hand to cover it. This gives a Texas Ratio of 126.35% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for increased slightly from 94.13% as of March 31, 2013 to 126.35% as of March 31, 2014, resulting in a negative change of 34.23%. This indicates that the balance sheet and financial strength for has declined slightly in recent periods.

Deposit Growth


In the past year, has decreased its total deposits by -$12.1 million, resulting in -9.35% 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 has shown is below average.



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. has $138.08 million in assets with $13.44 million in equity, resulting in a capitalization level of 9.73%, which is above average.

Institution Statistics

FDIC Certificate #91
Year Established1902
Primary RegulatorFED
Assets and Liabilities
Assets$138.09 million
Loans$80.38 million
Deposits$117.34 million
Equity Capital$10.58 million
Loan Loss Allowance$2.86 million
Unbacked Noncurrent Loans$5.72 million
Real Estate Owned$11.25 million
Historic Data - March 2013
Assets$154.78 million
Equity Capital$13.12 million
Loan Loss Allowance$3.76 million
Unbacked Noncurrent Loans$5.72 million
Real Estate Owned$7.51 million
Profit Margin - Quarterly
Net Interest Margin3.14%
Return on Assets-0.34%
Return on Equity-4.45%
Interest Income$1.17 million
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Always verify rates and promotions with the bank or credit union. We are not, we are a rate comparison website and can not provide official rates or promotions. CD Rates

0.60%$1k-30 Month CD
0.45%$1k-18 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD
Locations is an Internet only bank and does not have branch locations. Its headquarters is located at 311 Main Street - Mulberry, AR 72947