Message from the Bank Commissioner

As of June 30, 2025, I am pleased to report that the Arkansas banking industry is in overall strong condition. Arkansas has 70 state-chartered banks with over $171 billion in aggregate total assets. Arkansas banks continue to effectively manage interest rate risk and have benefitted from a more stable rate environment during 2025. Earnings positions continue to outperform the national average and remain favorable. The competition for core deposits and funding sources continues to present challenges for the banking sector; however, Arkansas banks remain focused on serving their communities and continue to offer valuable products and services to meet the needs of their customers and provide a safe and sound banking environment. Overall, capital levels are exceptional and provide support for our banks to facilitate lending and investment opportunities within their customer base, the communities where they operate, and the entire state of Arkansas. As always, challenges are present in the financial sector; however, the banking industry is prepared to meet those challenges and succeed. The Arkansas State Bank Department continues to work with our regulated institutions to maintain a healthy and vibrant banking system and to encourage and support economic development in Arkansas.

Susannah T. Marshall

Bank Commissioner