BlastPoint's Banking Scorecard

Farmers Bank & Trust Company

$1B-$10B Specialty: Commercial AR FDIC cert 1291

Designations: ✓ Community bank

Magnolia, AR

38 branches across AR · TX · OK

884 banks in the $1B-$10B peer group nationally 19 in AR

Farmers Bank & Trust Company has 3 strengths but faces 1 concern

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

+ ROA 0.05% above tier average
+ Net Interest Margin 0.20% above tier average
+ Efficiency Ratio 4.38% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.29% above tier average

Get updates when Farmers Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$3.1B +5.6% YoY +3.0% QoQ	+$327.7M	$2.8B -0.1% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$2.4B +7.6% YoY +2.4% QoQ	+$402.6M	$2.0B +0.6% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$2.8B +4.5% YoY +3.7% QoQ	+$492.0M	$2.3B -0.3% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	1.42% +6.9% YoY +4.0% QoQ	+0.05%	1.37% +19.6% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.02% +7.1% YoY +3.2% QoQ	+0.20%	3.82% +6.9% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	56.68% +1.0% YoY -2.3% QoQ	-4.38%	61.06% -4.6% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	1.17% +122.3% YoY +5.8% QoQ	+0.29%	0.89% +14.1% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	83.50% +2.9% YoY -1.3% QoQ	-0.71%	84.20% +0.3% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	21.47% +7.5% YoY +2.8% QoQ	+0.18%	21.29% -2.5% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.89% +124.1% YoY +5.6% QoQ	+0.22%	0.67% +15.6% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	11.86% +7.5% YoY +1.4% QoQ	-3.30%	15.16% +2.0% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.20% +0.5% YoY -75.8% QoQ	-0.06%	0.26% +1.6% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

222

Total Deposits

size

Value: $2.84B

Peer Median: $2.34B

#222 of 884 Top 25.0% in $1B-$10B

Top Weaknesses (2 metrics)

686

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.89%

#686 of 880 Bottom 22.2% in $1B-$10B

674

Nonperforming Asset Ratio

credit_quality

Value: 0.89%

Peer Median: 0.67%

#674 of 884 Bottom 23.9% in $1B-$10B