Bank of Cave City

What Bank of Cave City does

Bank of Cave City is an independently held, FDIC-insured community bank chartered in 1906 and headquartered at 137 South Main Street in Cave City, Arkansas. The bank operates five physical branches across Sharp, Independence, and Lawrence counties — Cave City, Batesville, Evening Shade, Lynn, and Strawberry — and is staffed by a team of 43 employees who live and work within the same communities they serve. As a full-service community bank, it offers personal banking products (checking, savings, personal loans, mortgage loans, and Visa credit cards), small business banking (business checking tiers including an Affirm non-profit option, commercial loans, lines of credit, merchant services, and business credit cards), and a specialized agricultural lending suite that includes farm loans, dedicated poultry loans covering broiler and breeder houses, equipment financing, land improvement, and FSA- and SBA-guaranteed loan programs.

Revenue is generated through three primary streams: interest income from the personal, commercial, mortgage, farm, and poultry loan portfolio; recurring service fees on checking and business accounts; and transaction-based revenue from Visa credit card products (personal and business). Pricing is not publicly disclosed and is established at the branch level for interest rates and account fees. Distribution combines the physical branch network with internet banking and a mobile banking application available on iOS and Android. Go-to-market is relationship-driven and locally embedded: the bank markets through Facebook, Instagram, community event sponsorships including the Arkansas Pie Festival (co-presented with FNBC in April 2025), and word-of-mouth within the rural Arkansas catchment, supported by more than 1,300 annual staff volunteer hours across the three counties.

The underlying technology stack is standard community-bank infrastructure with no proprietary AI, API, or developer-facing systems disclosed; no third-party integrations, patents, or AI capabilities are documented. Ownership is private and locally held with no parent company, institutional investors, or subsidiaries indicated. No funding rounds, M&A, or leadership transitions are disclosed in the input data.

Name

Bank of Cave City

Legal name

Bank of Cave City

Website

https://bankofcavecity.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank of Cave City is an independently held community bank chartered in 1906, operating five branches across Sharp, Independence, and Lawrence counties in rural Arkansas. It serves local consumers, small businesses, and agricultural producers — particularly poultry farms — with personal banking, commercial lending, and specialized farm loans.

Ownership category

akta.pro rank

Headquarters

HQ city

Cave City

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Interest income from personal and commercial loans including mortgage loans, farm loans, poultry loans, and commercial loans
2. Banking Service Fees: Service fees from checking accounts, business accounts, and other banking services
3. Credit Card Revenue: Income from Visa credit card products including business and personal credit cards with rewards programs

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Bank of Cave City is a full-service community bank delivering personal deposit accounts, mortgages, personal loans, and consumer credit cards alongside business checking, commercial loans, and specialized agricultural and poultry lending. Services are delivered through five Arkansas branches plus internet and mobile banking channels. The bank earns primarily through net interest income on loans and recurring deposit and card-related fees.

Product overview

Bank of Cave City is a full-service community bank offering a unified portfolio of personal and business banking products. Personal offerings include checking accounts, personal loans, credit cards, mortgage loans, and savings accounts. Business and agricultural services encompass business checking, farm loans, poultry loans, commercial loans, and business credit cards. The bank also provides digital banking services including internet banking, a mobile banking app, and mortgage calculation tools. All products are delivered through the bank's physical branch network in Arkansas (Cave City, Batesville, Evening Shade, Lynn, and Strawberry) combined with online and mobile channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking accounts for individual customers to manage day-to-day banking needs, accessed through branch, internet banking, and the mobile app.
• Savings Accounts Savings account products for personal customers to deposit and grow funds, serviced alongside checking and digital channels.
• Personal Loans Loans for personal use including various consumer lending products for individual borrowers.
• Mortgage Loans Home loans including purchase and refinancing options, supported by online mortgage calculators and lender relationships across branches.
• Personal Credit Cards Personal Visa Platinum credit cards with rewards programs for individual customers, managed via the bank's internet banking and mobile app.
• Business Checking Business checking accounts offered in Essentials, Advantage, and Affirm (non-profits/public funds) tiers, bundled with merchant services, ACH origination, wire transfers, and safe deposit box access.
• Farm Loans Agricultural loans covering land improvement, livestock, poultry houses, crops, and equipment, with FSA guaranteed loan options available to local farmers.
• Poultry Loans Specialized financing for poultry producers covering broiler and breeder houses, equipment upgrades, land purchases, and working capital.
• Commercial Loans Commercial lending including land development, commercial real estate, lines of credit, inventory financing, equipment financing, and SBA guaranteed loans.
• Business Credit Cards Visa Platinum business credit cards with rewards programs, accessible via mobile app and internet banking.
• Internet Banking Online banking platform allowing customers to access accounts, manage cards, pay bills, enroll in rewards programs, and conduct routine transactions.
• Mobile Banking App Mobile banking application available on iOS and Android for checking accounts, card management, and accessing bank services on the go.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FNBCminorGTM or Marketing Partner · 25 April 2025Co-presenting sponsorship of the Arkansas Pie Festival in Cherokee Village on April 25, featuring a 'Battle of the Banks' bake-off competition between the two community banks.

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• FNBC (First National Banking Company): Arkansas-based community bank serving Sharp County and adjacent areas; explicitly named as Bank of Cave City's co-presenting partner for the Arkansas Pie Festival, indicating overlapping footprint and directly comparable rural community-banking model with consumer, mortgage, and small-business lending.
• Southern Bancorp: Community development bank holding company headquartered in Little Rock, Arkansas, with branches across rural Arkansas and the Delta region; serves unbanked and underbanked markets with consumer, small business, and agricultural lending — a close functional analogue to Bank of Cave City's rural community banking franchise.
• First Community Bank of Batesville: Community bank serving Independence County and surrounding areas; directly comparable in size, geography, and full-service consumer/business offering, with a Batesville branch location overlapping Bank of Cave City's Batesville branch.
• Generations Bank: Independently owned Arkansas community bank headquartered in Hardy; serves similar rural North Central Arkansas markets with personal, business, and agricultural lending — comparable in scale, footprint, and customer profile to Bank of Cave City.
• Home Bank (Arkansas): Arkansas community bank serving rural and small-town markets with personal and commercial banking products; comparable branch-banking model targeting similar consumer and small-business customers in non-urban Arkansas.
• Eagle Bank and Trust: Community bank serving rural communities in Missouri and Arkansas with consumer, mortgage, and ag lending; comparable size and rural community-banking model with similar customer segments including farm operations.
• First Bank of Arkansas: Independent Arkansas community bank serving small-town and rural markets with consumer, mortgage, and small-business lending; directly comparable size, business model, and target customer profile to Bank of Cave City.

Broad incumbents

• Simmons Bank: Large Arkansas-headquartered regional bank with broad consumer, mortgage, business, and agricultural lending across the state; an incumbent that overlaps Bank of Cave City's footprint and product set but at materially larger scale and broader geographic scope.
• Arvest Bank: Arkansas-based regional bank with extensive branch network across the state; competes for the same personal and small-business customers in North Central Arkansas but operates as a much larger incumbent with broader product suite.
• Centennial Bank: Arkansas-based regional bank offering full consumer, mortgage, and commercial services across multiple states; an incumbent competitor in the broader Arkansas community banking landscape though materially larger than Bank of Cave City.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bankofcavecity
• Instagraminstagram.com/bankofcavecity
• Xx.com/bankofcavecity

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank of Cave City