These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Arkansas. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Arkansas, Largest Multifamily Books First
25 of 61 qualifying banks are headquartered in Arkansas. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in AR | Contact |
|---|---|---|---|---|---|
| 1 | Bank OZK | $2.55bn | 14.7% | 79 | Contact available |
| 2 | Centennial Bank | $1.27bn | 15.7% | 75 | Contact available |
| 3 | Simmons Bank | $812m | 9.7% | 68 | Contact available |
| 4 | Arvest Bank | $754m | 12.6% | 101 | Contact available |
| 5 | First Security Bank | $258m | 10.4% | 80 | Contact available |
| 6 | The First National Bank of Fort Smith | $237m | 31.6% | 17 | Contact available |
| 7 | Encore Bank | $231m | 21.1% | 6 | Contact available |
| 8 | First Community Bank (Arkansas) | $168m | 18.8% | 30 | Contact available |
| 9 | First National Bank | $130m | 17.3% | 20 | Contact available |
| 10 | Southern Bancorp | $92m | 15.2% | 35 | Contact available |
| 11 | Central Bank | $91m | 37.4% | 3 | Contact available |
| 12 | Signature Bank of Arkansas | $86m | 16.4% | 11 | Contact available |
| 13 | Farmers Bank & Trust Company | $80m | 6.9% | 29 | Contact available |
| 14 | The Citizens Bank (Batesville, Arkansas) | $60m | 14.3% | 16 | Contact available |
| 15 | Anstaff Bank | $47m | 18.2% | 15 | Contact available |
| 16 | The Farmers & Merchants Bank (Stuttgart, Arkansas) | $47m | 9.5% | 21 | Contact available |
| 17 | Legacy Bank (Springdale, Arkansas) | $47m | 12.9% | 10 | Contact available |
| 18 | Relyance Bank | $40m | 7.3% | 21 | Contact available |
| 19 | Stone Bank | $39m | 25.2% | 6 | Contact available |
| 20 | Generations Bank | $39m | 11.3% | 11 | Contact available |
| 21 | Fm Bank And Trust | $39m | 20.4% | 9 | Contact available |
| 22 | Partners Bank | $36m | 20.3% | 10 | Contact available |
| 23 | Diamond Bank | $35m | 30.8% | 13 | Contact available |
| 24 | Chambers Bank | $34m | 5.4% | 25 | Contact available |
| 25 | Armor Bank | $34m | 27.9% | 13 | Contact available |
National Lenders With Branches in Arkansas
25 of 30 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in AR | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 13 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 1 | Contact available |
| 3 | US Bank | $14.46bn | 34.7% | 18 | Contact available |
| 4 | Truist | $8.65bn | 26.0% | 1 | Contact available |
| 5 | Bank of America | $8.46bn | 15.3% | 16 | Contact available |
| 6 | Huntington National Bank | $4.88bn | 19.9% | 38 | Contact available |
| 7 | Regions Bank | $3.88bn | 35.6% | 55 | Contact available |
| 8 | First Horizon Bank | $3.72bn | 27.1% | 12 | Contact available |
| 9 | Bank of Albuquerque | $2.05bn | 27.1% | 2 | Contact available |
| 10 | Great Southern Bank | $1.35bn | 44.3% | 1 | Contact available |
| 11 | Southern Bank | $470m | 27.6% | 10 | Contact available |
| 12 | Intrust Bank, National Association | $342m | 22.1% | 1 | Contact available |
| 13 | Equity Bank | $248m | 12.6% | 5 | Contact available |
| 14 | Oakstar Bank | $227m | 23.2% | 1 | Contact available |
| 15 | Academy Bank | $200m | 17.4% | 1 | Contact available |
| 16 | First National Bank Texas | $199m | 20.9% | 17 | Contact available |
| 17 | Armstrong Bank | $93m | 14.4% | 4 | Contact available |
| 18 | Sterling Bank | $83m | 22.7% | 4 | Contact available |
| 19 | First Service Bank | $55m | 16.1% | 11 | Contact available |
| 20 | First National Banker's Bank | $47m | 14.6% | 1 | Contact available |
| 21 | UNICO Bank | $33m | 28.3% | 9 | Contact available |
| 22 | Firstar Bank | $29m | 9.7% | 3 | Contact available |
| 23 | Century Next Bank | $26m | 8.7% | 3 | Contact available |
| 24 | Commercial Capital Bank | $25m | 19.1% | 4 | Contact available |
| 25 | First Southern Bank | $13m | 12.4% | 1 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 91 banks qualified in Arkansas. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 84 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Arkansas. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Arkansas from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Arkansas from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.