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Fm Bank And Trust

$1B-$10B Specialty: Agricultural AR FDIC cert 1027

Designations: ✓ Community bank ✓ CDFI-certified

Blytheville, AR

16 branches across AR · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +136.2% year over year ($1.2B on the books).
  • Delinquency rate 0.53%.
  • Return on assets 2.37%.
  • Efficiency ratio 48.62% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR
View $1B-$10B leaderboard (AR) →

Fm Bank And Trust shows strong momentum with 4 strengths and 141.9% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 10.8% in tier
  • + Net Interest Margin 1.19% above tier average
  • + Efficiency Ratio 11.11% below tier average
  • + Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Fm Bank And Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $1.4B
+141.9% YoY +4.6% QoQ
-$1.4B $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $1.1B
+140.7% YoY +3.1% QoQ
-$857.4M $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $1.2B
+136.2% YoY +2.5% QoQ
-$1.1B $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 2.37%
+25.5% YoY -9.5% QoQ
+0.98% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Top 4.9% in tier
Net Interest Margin ? 5.06%
+25.4% YoY -11.3% QoQ
+1.19% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 4.6% in tier
Efficiency Ratio ? 48.62%
+3.2% YoY -0.1% QoQ
-11.11% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.53%
-76.9% YoY -31.6% QoQ
-0.34% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 91.86%
+1.9% YoY +0.6% QoQ
+6.82% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 15.47%
+140.2% YoY -8.4% QoQ
-5.80% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.44%
-76.8% YoY -31.1% QoQ
-0.23% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 10.42%
-2.4% YoY -5.2% QoQ
-4.42% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 9.9% in tier
Non-Interest Income / Assets ? 0.19%
-8.7% YoY +107.2% QoQ
-0.34% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 15.5%
+9.0pp YoY
-1.4pp QoQ
 -5.9pp 21.4% 19.6% 22.2% 29%
Brokered Deposits 10.3%
+1.1pp YoY
+4.3pp QoQ
 +0.9pp 9.5% 7.2% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 12.0%
-2.9pp YoY
-0.7pp QoQ
 -2.0pp 14.0% 12.7% 12.5% 55%
CRE 28.0%
-0.8pp YoY
-1.4pp QoQ
 -22.0pp 50.0% 41.0% 41.4% 10%
1-4 Family 30.5%
+4.6pp YoY
-0.4pp QoQ
 +4.1pp 26.4% 28.1% 31.3% 67%
Consumer 2.8%
-1.0pp YoY
-0.2pp QoQ
 -1.9pp 4.7% 4.5% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 10.4%
-0.3pp YoY
-0.6pp QoQ
 -5.2pp 15.6% 15.1% 19.7% 3%
Leverage Ratio 8.6%
-0.1pp YoY
-0.3pp QoQ
 -2.7pp 11.3% 11.9% 12.6% 6%
Total Capital Ratio 11.7%
-0.3pp YoY
-0.6pp QoQ
 -5.0pp 16.7% 16.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 158
+87 (+122.5%) YoY
+3 (+1.9%) QoQ
 -156 313 315 482 25%
Assets per Employee ($) $8.6M
+8.7% YoY
+2.6% QoQ
 -$1.8M $10.5M $6.7M $8.8M 49%
Branch Count 16
+7 (+77.8%) YoY
0 QoQ
 -4 20 25 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.1% 0.4% 2%
Nonaccrual 0.5%
-1.7pp YoY
-0.2pp QoQ
 -0.3pp 0.8% 1.1% 1.0% 51%
Allowance Coverage 2.92x
+338.1% YoY
+45.6% QoQ
 -15.79x 18.71x 4.69x 20.23x 62%
Net Charge-off Rate (YTD) 0.1%
-0.5pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 29.3%
+5.2pp YoY
-2.6pp QoQ
 +16.7pp 12.6% 12.3% 11.6% 97%
Cost of Funds (YTD) 2.7%
0.0pp YoY
-0.3pp QoQ
 +0.8pp 1.9% 2.0% 1.7% 91%
Net Income ($, YTD) $12.9M
+161.5% YoY
— QoQ
 -$6.4M $19.2M $16.0M $40.4M 52%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#25 of 222 • Top 10.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.37%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

42
Net Interest Margin
profitability
Value: 5.06%
Peer Median: 3.87%
#42 of 885 Top 4.6% in $1B-$10B
44
Return on Assets
profitability
Value: 2.37%
Peer Median: 1.39%
#44 of 885 Top 4.9% in $1B-$10B
173
Efficiency Ratio
profitability
Value: 48.62%
Peer Median: 59.73%
#173 of 885 Top 19.4% in $1B-$10B

Top Weaknesses (1 metrics)

798
Tier 1 Capital Ratio
capital
Value: 10.42%
Peer Median: 14.84%
#798 of 885 Bottom 9.9% in $1B-$10B
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