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Stone Bank Rates & Review October 2026

Q: How many branches does Stone Bank operate?

Stone Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Stone Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Stone Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Stone Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.89%, 6-month CD rates at 2.72% and 3-month CD rates at 2.54%. Savings rates are at 0.87% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not Stone Bank, and you can see how they compare in the Stone Bank rate tables below. MonitorBankRates evaluates the financial stability of Stone Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.23%. Database rates last updated and verified on 10/07/2026.

Stone Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Stone Bank? Share your experience about Stone Bank by leaving a review below, or read customer reviews before you decide to use Stone Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.23%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Stone Bank

802 E Main St
Mountain View, AR 72560

https://www.stonebank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Stone Bank Checking Rates

Product	Rate	APY
Ruby Rewards Checking	5.37%	5.50%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $25,000; Qualifications Required: 12 debit card transactions; 1 direct deposit, ACH payment, or ACH credit transaction; enrolled in and agree to receive e-statements; Balances up to $25,000.00 earn this rate. ATM fee reimbursements up to $25 monthly. Rates, rewards, and bonuses are variable and may change after account is opened; rates may change without notice. APYs accurate as of 06/08/2026. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.23%
Ruby Rewards Checking	0.05%	0.05%
Min Deposit $100 Details If qualifications aren't met, all balances earn this rate. ATM fee reimbursements up to $25 monthly. Rates, rewards, and bonuses are variable and may change after account is opened; rates may change without notice. APYs accurate as of 06/08/2026. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.23%
Ruby Rewards Rate Checking	-	0.05%
Min Deposit $100 Min Balance $0 Details APY on all balances if qualifications aren't met. APYs accurate as of 06/08/2026. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Stone Bank’s Texas Ratio rose from 13.85% in Q3 2023 to 16.23% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$951M	16.23%	4.9	A-
March 31, 2026	$895M	19.06%	4.7	B+
December 31, 2025	$883M	14.37%	5.0	A-
September 30, 2025	$915M	7.45%	5.0	A
June 30, 2025	$874M	13.18%	5.0	A
March 31, 2025	$852M	11.87%	5.0	A
December 31, 2024	$840M	16.56%	4.9	A-
September 30, 2024	$822M	16.81%	4.9	A-
June 30, 2024	$814M	12.54%	5.0	A
March 31, 2024	$781M	14.21%	5.0	A-
December 31, 2023	$748M	18.40%	4.7	B+
September 30, 2023	$739M	13.85%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Stone Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Stone Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Stone Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Stone Bank

Bank Holding Company MO ARK BANCSHARES INC

Address 802 E Main St, Mountain View, AR 72560 · Stone

Website https://www.stonebank.com

FDIC Certificate # 17431

Established 19550429

FDIC Insurance Date 19550429

Domestic Offices 6

Total Branches 6

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

16.23%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6784%

Return on Equity (ROE) 20.9700%

Non-Performing Loans (NPL) 0.81%

Total Assets $950,691,000

Total Deposits $757,734,000

Equity Capital $74,912,000

Net Income $7,632,000

Headquarters Mountain View

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Stone Bank

How many branches does Stone Bank operate?

Stone Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Stone Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Stone Bank provides members with tools to manage their accounts and build a solid financial history.

Does Stone Bank offer online and mobile banking?

Most modern institutions like Stone Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stonebank.com.