Arvest Bank
Arvest Bank reported total assets of $28.1 bn at Q2 2026, up 2.6% on a year earlier, the 77th largest of 497 banks in our US coverage. The CET1 capital ratio at Arvest Bank was 11.45%, and the uninsured share of Arvest Bank was 27.78%. Source: FDIC Call Reports.
Key takeaways
- Arvest Bank has one of the highest efficiency ratio readings among banks of $10 bn to $100 bn: 81.46% at , against a median of 55.14% across 126 banks (FDIC Call Reports).
- On noncurrent loans to total loans, Arvest Bank climbed from 374th to 329th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- The return on assets (ROA) of Arvest Bank, 0.55% at , places Arvest Bank in the bottom tenth of banks of $10 bn to $100 bn (group median 1.25%; FDIC Call Reports).
What sets Arvest Bank apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower common equity tier 1 (CET1) ratio than Arvest Bank, at 11.45% in ; the group median is 12.97%.
- Since , Arvest Bank has taken over one institution; the latest was Bear State Bank on .
How large is Arvest Bank?
The balance sheet of Arvest Bank at : assets $28.1 bn, deposits $24.6 bn, net loans $20.2 bn (loans equal to 82.32% of deposits). Securities make up 18.1% of total assets at Arvest Bank. Since , when Arvest Bank held $16.4 bn, its assets grew 70.9%. In the year to , deposits at Arvest Bank rose 1.9% while its total assets rose 2.6%. At , Arvest Bank employed 6,087 full-time equivalent staff across 228 offices, about $4.6 mn of assets per employee and $107.9 mn of deposits per office.
How much funding at Arvest Bank is uninsured?
At Arvest Bank, uninsured deposits (above the FDIC limit) made up 27.78% of domestic deposits at (+1.05 pp on a year earlier); Arvest Bank ranks 341st of 500 on this measure. In dollars, Arvest Bank estimated $6.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $24.6 bn | +1.9% | 73rd of 499 |
| Net loans and leases | $20.2 bn | +7.1% | 73rd of 500 |
| Loan-to-deposit ratio | 82.32% | +4.00 pp | 316th of 500 |
| Tier 1 leverage ratio | 9.11% | +0.34 pp | 417th of 500 |
| Total risk-based capital ratio | 12.48% | +0.17 pp | 387th of 448 |
| Net interest margin | 4.06% | +0.20 pp | 124th of 500 |
| Return on assets (ROA) | 0.55% | +0.16 pp | 468th of 500 |
| Efficiency ratio | 81.46% | -3.50 pp | 480th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $893.1 mn | Narrowed by $81.0 mn | |
| Noncurrent loans to total loans | 0.86% | -0.01 pp | 329th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.37% | +0.05 pp | 413th of 500 (1 = lowest) |
US rank of Arvest Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Arvest Bank: assets, deposits and loans
- Total assets $28.1bn
- Deposits $24.6bn
- Net loans $20.2bn
Capital and securities
The CET1 ratio of Arvest Bank stood at 11.45% in , +0.22 pp year on year. Low and high at Arvest Bank since : 10.16% () to 13.54% (). Equity capital of Arvest Bank at : $2.4 bn, or 8.4% of total assets. Arvest Bank also reported a total capital ratio of 12.48% for , and a tier 1 leverage ratio of 9.11%.
The available-for-sale portfolio of Arvest Bank showed an unrealized loss of $893.1 mn at ; the loss narrowed by $81.0 mn over the year.
Arvest Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.1%
Arvest Bank: unrealized securities gains and losses
- Available for sale -$893mn
- Held to maturity $0
Profitability and loan quality
For the year to , Arvest Bank earned a return on equity of 6.57%; return on assets: 0.55%. Net interest margin at Arvest Bank: 4.06%, +0.20 pp in a year. Arvest Bank net income: $76.4 mn, up 47.0% year on year. The efficiency ratio of Arvest Bank was 81.46%: about 81 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.86% of total loans at Arvest Bank; net charge-offs: 0.37% of average loans. Gross loans and leases at Arvest Bank: $20.5 bn, up 7.0% in a year.
Arvest Bank: profitability
- Return on equity 6.6%
- Net interest margin 4.1%
- Return on assets 0.5%
Peer group of Arvest Bank
The peer group of Arvest Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Arvest Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Arkansas. Against them, Arvest Bank shows CET1 ratio 11.45% against a peer median of 12.32%, return on equity 6.57% against a peer median of 9.16% and uninsured deposit share 27.78% against a peer median of 31.66%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Axos Bank | Federal savings bank | CA | $28.9 bn | 10.93% | 22.41% | 21.23% | |
| Sallie Mae Bank | State nonmember bank | UT | $28.5 bn | 11.78% | 27.51% | 7.15% | |
| Ameris Bank | State nonmember bank | GA | $28.4 bn | 13.01% | 8.46% | 45.56% | |
| Arvest Bank | State member bank | AR | $28.1 bn | 11.45% | 6.57% | 27.78% | |
| WesBanco Bank, Inc. | State nonmember bank | WV | $27.7 bn | 12.24% | 9.16% | 32.23% | |
| WaFd Bank | State nonmember bank | WA | $27.6 bn | 12.95% | 8.98% | 31.10% | |
| Renasant Bank | State member bank | MS | $27.0 bn | 12.41% | 9.17% | 46.27% | |
. FDIC Call Reports.
Last eight quarters
Two years at Arvest Bank, to : assets +5.1%, deposits +5.8%, equity +13.2%. Staff 6,164 to 6,087; offices 226 to 228.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $26.7 bn | $26.9 bn | $27.1 bn | $27.3 bn | $27.3 bn | $27.8 bn | $28.0 bn | $28.1 bn |
| Total deposits | $23.2 bn | $23.7 bn | $24.0 bn | $24.1 bn | $24.0 bn | $24.3 bn | $24.7 bn | $24.6 bn |
| Bank equity capital | $2.1 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.4 bn |
| CET1 ratio | 11.31% | 11.21% | 11.23% | 11.23% | 11.31% | 11.41% | 11.54% | 11.45% |
| Return on equity (ROE) | 3.54% | 2.73% | 4.15% | 5.05% | 5.85% | 6.24% | 6.58% | 6.57% |
| Uninsured share of domestic deposits | 25.45% | 26.72% | 25.61% | 26.73% | 25.89% | 27.43% | 26.69% | 27.78% |
| Full-time equivalent employees | 6,164 | 6,163 | 6,128 | 6,129 | 6,118 | 6,127 | 6,081 | 6,087 |
| Number of offices | 226 | 226 | 227 | 227 | 227 | 228 | 228 | 228 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Arvest Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Bear State Bank (FDIC certificate 3857).
Questions and identifiers
What were the total assets of Arvest Bank?
Arvest Bank reported $28.1 bn at in its Call Report. That makes Arvest Bank the 77th largest of 497 banks in our US coverage.
Is Arvest Bank the same as its holding company?
No. This page covers Arvest Bank, FDIC certificate 8728; ARVEST BANK GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Arvest Bank profitable?
Arvest Bank reported net income of $76.4 mn for the year to ; annualized return on equity: 6.57%. So yes: Arvest Bank made a profit over these months.
When is data for Arvest Bank next updated?
Figures from Arvest Bank for are due after .
Where can I check the figures for Arvest Bank?
In the FDIC BankFind Suite record for certificate 8728, and in the Call Reports of Arvest Bank (RSSD ID 311845) at the FFIEC Central Data Repository.