Bank · FDIC insured
Bank of 1889
A $339.2M bank headquartered in Berryville, AR, with 11 branches in Arkansas. Best rates: CDs 3.78% and savings 0.50% APY.
Bank of 1889 Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#3 of 4 in Harrison, AR metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of 1889
Founded in 1889 by Dr. W.P. George as Carroll County Bank, the institution was later renamed First National Bank of Berryville, First National Bank of North Arkansas, and ultimately Bank of 1889.
The bank received its National Bank Charter in 1913 and formed an Employee Stock Ownership Trust in 1994, with employees purchasing 33% of the bank.
- Headquarters
- 305 Public Sq, Berryville, AR 72616
- FDIC certificate
- 3854 ↗
Branches
11 branches in Arkansas
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Arkansas
11 branches
Harrison area · 3
- First National Bank Of Arkansas1311 Highway 62 N, Harrison, AR 72601Directions
- Harrison Branch204 East Rush, Harrison, AR 72601Directions
- Western Grove Itm Branch27790 Us 65 Hwy, Western Grove, AR 72685Directions
Berryville area · 2
- Bank of 1889Main office305 Public Sq, Berryville, AR 72616Directions
- West 62 Branch1004 W Trimble Ave, Berryville, AR 72616Directions
Fayetteville area · 2
- Elkins Branch1965 N Center St, Elkins, AR 72727Directions
- Huntsville Branch403 W Main St, Huntsville, AR 72740Directions
Eureka Springs area · 1
- Eureka Springs Office149 Huntsville Rd, Eureka Springs, AR 72632Directions
Green Forest area · 1
- Green Forest Branch604 W Main St, Green Forest, AR 72638Directions
Marshall area · 1
- Marshall Branch620 Highway 65 N, Marshall, AR 72650Directions
Yellville area · 1
- Yellville Branch317 Highway 62 W, Yellville, AR 72687Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.85% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.84% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio10.85%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.84%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of 1889 are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.