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Reviews (5)

It Took Several Weeks (4

It took several weeks (4?) and many phone calls (6?) to determine all the ins-and-outs of getting an account opened, getting set up for online banking and estatements, getting PINS for the cards, etc.

My paperwork was misplaced by the bank at one point, and several times my phone calls were not returned within a few biz days.  The staff was friendly but the operation seems very inefficient.  I just logged in (online) and find nothing on the login screens about the rates having dropped from 3.2% (what it was when I opened the accounts in Feb-April) to 2.75% on 5/13/2010.  The login screens need to share this information upfront.


Rate Dropped

Rate dropped .35% during the 2 1/2 weeks it took me to find out my appication didn't go through because of a supposed SOS typo.  Perhaps there was a typo, but shouldn't take almost 3 weeks and 4 calls to learn status of application.  With the rate drop, I'll take my business elsewhere.

Nothing But Good Things

I opened a checking account this year and had no problems at all. Very friendly staff. I then opened a savings account with no problems. Never had problems with ATM.

Great Service

BOF has handled my banking for years.  Great service.  Ease of opening an account has been a great experience over the years. 


Rick Woods, Attorney


Worse Operations And By Far Worse Customer Service

It took several weeks to set up account which everyone already spoke about. I was not notified when rates dropped by nearly 1%. Then I moved and called in to change my address. Several weeks later I needed to get $300 out of ATM and was denied (This account had roughly $50k at the time of denial). Well I called the bank and was told if I dont send a written notice, I can't get money out of the ATM. I was stranded at DMV and tried to explain but it fell on deaf ears. Instantly I told the CSSR that I need the account closed and she passed me over to another person who basically calls my bluff and says she can't close it without a written letter. She did not even try to understand the issue at hand. Anyhow,  the following day, I transfered all the money into my Fidelity online brokerage account proving that I can get my money out and when the bank gets tired of the account being dormant it will close it down.

I'm a finance analyst with one of the biggest 4 banks in the country and know that core deposits are the most important source of lending $ in any bank. Contrary to popular beliefs the bank wants the small peoples money  since a) the high volume usually outweighs the rich peoples CD's or high balance b) Core deposits presents low risk compared to high deposits.

I dont mean to lecture but the point is that the bank has idiots running its operations expecially the customer service reps. They probaly think what harm can 50K do but multiply that by thousands and you get the idea. Deposits fund loans, loan fund interest income finito.



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 The Bank of Fayetteville had $8.86 million in non-current loans and owned real-estate with $45.33 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Fayetteville a Texas Ratio of 19.55% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Bank of Fayetteville decreased slightly from 24.81% as of March 31, 2013 to 19.55% as of March 31, 2014, resulting in a positive change of 21.20%.This indicates that the balance sheet and financial strength for The Bank of Fayetteville has improved slightly in recent periods.

Deposit Growth


In the past year, The Bank of Fayetteville has increased its total deposits by $1.48 million, resulting in 0.51% 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 The Bank of Fayetteville has shown is above 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. The Bank of Fayetteville has $342.88 million in assets with $45.33 million in equity, resulting in a capitalization level of 13.22%, which is excellent.

Institution Statistics

FDIC Certificate #26975
Year Established1987
Primary RegulatorFED
Assets and Liabilities
Assets$342.88 million
Loans$213.80 million
Deposits$292.69 million
Equity Capital$42.39 million
Loan Loss Allowance$2.94 million
Unbacked Noncurrent Loans$2.47 million
Real Estate Owned$6.39 million
Historic Data - March 2013
Assets$342.16 million
Equity Capital$42.49 million
Loan Loss Allowance$3.09 million
Unbacked Noncurrent Loans$2.47 million
Real Estate Owned$7.38 million
Profit Margin - Quarterly
Net Interest Margin3.78%
Return on Assets0.8%
Return on Equity6.41%
Interest Income$3.12 million

Always verify rates and promotions with the bank or credit union. We are not The Bank of Fayetteville, we are a rate comparison website and can not provide official rates or promotions.

The Bank of Fayetteville Savings Account Rates

0.10%--Sure Savings
0.10%--Smarty Pants Savings
0.05%--Health Savings Accounts

The Bank of Fayetteville Money Market Rates

0.20%$100k-Money Market Account

The Bank of Fayetteville Checking Account Rates

1.00%-$15kSmart Checking - Qualifying
0.05%--Smart Checking - Non Qualifying
0.05%--Wise Checking
0.05%--Interest Checking

The Bank of Fayetteville CD Rates

0.50%$500-48 Month CD
0.50%$500-60 Month CD
0.45%$500-36 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.30%$500-12 Month Flex CD
0.25%$500-9 Month CD
0.20%$500-182 Day CD

The Bank of Fayetteville IRA Rates

0.40%--60 Month IRA
0.35%--36 Month IRA
0.30%--24 Month IRA
0.25%--18 Month IRA
0.20%--12 Month IRA
0.15%--18 Month IRA Variable
0.15%--12 Month Variable Grow IRA

The Bank of Fayetteville Locations
West Fork Branch200 Main StreetWest Fork, AR 72774
Prairie Grove Branch202 Hindman StPrairie Grove, AR 72753
Farmington Branch257 West MainFarmington, AR 72730
North Branch3120 North College AvenueFayetteville, AR 72703
Wedington Branch3150 Wedington DriveFayetteville, AR 72704
Dickson Street Branch542 West Dickson StreetFayetteville, AR 72701
The Bank Of FayettevilleOne South BlockFayetteville, AR 72703
Crossover BranchSe Corner - Highway 45 and Crossover AvenueFayetteville, AR 72701