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Arkansas State Bank Department

The mission of ASBD is to maintain a legal and regulatory structure for Arkansas's financial industry. This structure provides the public with convenient, safe and competitive banking, which fosters economic development within this State. Our mission is accomplished through efficient allocation of available human and other resources existing in our Examination, Information Technology and Administrative Services Divisions.

Staff Appointments/Promotions/Transfers

The Arkansas State Bank Department congratulates the following employees on their recent appointment/promotion/transfer:

Krystal Smith was promoted from Administrative Specialist to Administrative Analyst effective March 4, 2024. Ms. Smith earned an Associates of Science Degree from Pulaski Technical College in Little Rock. She has prior work experience with the Arkansas Department of Finance and Administration. Since joining the State Bank Department in August 2023, Ms. Smith has provided administrative support to the Training Division in our Little Rock office. In her new role, Ms. Smith will continue providing administrative support to the Department.
John Householder Mr. John Householder was promoted from Certified Examinations Manger to Assistant Deputy Commissioner effective August 6, 2023. Mr. Householder earned a Bachelor’s Degree in Business Administration from Williams Baptist College. Mr. Householder has served in the Bank Department for over 27 years and is currently responsible for Special Projects and Overseeing the Department’s IT Steering Committee. Mr. Householder is a Certified Fraud Examiner and is assigned to our Jonesboro office.


The Great Seal of Arkansas

The State Bank Department was created by Act 113 of 1913. The Department is charged with regulating state-chartered commercial banks with main offices in Arkansas. These 73 banks hold assets of over $161 billion as of December 31, 2023. The Department also is charged with supervising the bank holding companies of Arkansas state-chartered banks; state-chartered trust companies; regional and county industrial development corporations; industrial loan institutions; and capital development companies. The Department operates to ensure the safety and soundness of, and public confidence in, these institutions and organizations.

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