One Bank & Trust, National Association

One Bank & Trust, National Association is headquartered in Little Rock and is the 24^th largest bank in the state of Arkansas. It is also the 1,459^th largest bank in the nation. It was established in 1957 and as of March of 2012, it had grown to 96 employees at 10 locations. One Bank & Trust, National Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics One Bank & Trust, National Association FDIC Certificate # 17800 BankRate Report View Year Established 1957 Employees 96 Primary Regulator OCC Assets and Liabilities Assets $456.70 million Loans $335.37 million Deposits $382.17 million Equity Capital $38.09 million Loan Loss Allowance $5.95 million Unbacked Noncurrent Loans $18.86 million Real Estate Owned $11.78 million Historic Data - March 2011 Assets $435.18 million Equity Capital $37.55 million Loan Loss Allowance $7.53 million Unbacked Noncurrent Loans $10.20 million Real Estate Owned $7.85 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.46% Return on Equity 5.49% Interest Income $5.15 million

Institution Health Overall Score: 3 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 March 31, 2012 One Bank & Trust, National Association had $30.64 million in non-current loans and owned real-estate with $44.04 million in equity and loan loss allowances on hand to cover it. This gives One Bank & Trust, National Association a Texas Ratio of 69.57% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for One Bank & Trust, National Association increased slightly from 40.03% as of March 31, 2011 to 69.57% as of March 31, 2012, resulting in a negative change of 73.81%. This indicates that the balance sheet and financial strength for One Bank & Trust, National Association has declined slightly in recent periods. Deposit Growth In the past year, One Bank & Trust, National Association has increased its total deposits by $16.18 million, resulting in 4.42% 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 One Bank & Trust, National Association has shown is above average. 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. One Bank & Trust, National Association has $456.7 million in assets with $44.04 million in equity, resulting in a capitalization level of 9.64%, which is average.

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