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Arvest Bank
Fayetteville, AR·FDIC Cert #8728·Charter: STATE·Est. 18710101.0·HC: ARVEST BANK GROUP INC
Total Assets
$27.8B
Q4 2025
Return on Assets
0.51%
+0.06%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
83.51%
Peer avg: 52.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.51%+0.06
ROE
6.56%+0.71
Efficiency
83.51%-0.50
Equity/Assets
0.00%+0.00
NPL Ratio
0.83%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.37%+0.26
Charge-offs
0.32%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 | 0.4 | 0.5 | 0.5 |
| ROE | 4.7 | 3.8 | 3.5 | 2.7 | 4.2 | 5.0 | 5.8 | 6.6 |
| Efficiency | 87.3 | 87.0 | 87.3 | 88.4 | 86.1 | 85.0 | 84.0 | 83.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.7 | 0.8 | 0.8 | 0.8 | 0.9 | 0.8 | 0.8 |
| Charge-offs | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 73.2 | 75.7 | 76.6 | 76.3 | 76.8 | 78.3 | 80.1 | 80.4 |
Balance Sheet
Total Assets$27.8B
Total Deposits$24.3B
Total Loans$19.6B
Total Equity$2.3B
Profitability
ROA0.51%
ROE6.56%
Efficiency Ratio83.51%
Net Income$140.4M
Risk & Asset Quality
NPL Ratio0.83%
Charge-off Rate0.32%
Loan/Deposit80.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans