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Farmers Bank & Trust Company

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

Designations: ✓ Community bank

Magnolia, AR

38 branches across AR · TX · OK

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 +0.1% year over year ($2.7B on the books).
  • Delinquency rate 1.34%.
  • Return on assets 1.44%.
  • Efficiency ratio 57.94% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.25% 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) →

Farmers Bank & Trust Company has 2 strengths but faces 2 concerns

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

  • + Net Interest Margin 0.22% above tier average
  • + Efficiency Ratio 1.79% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 24.8% in tier
  • - Delinquency Rate 0.47% above tier average
Get updates when Farmers Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $3.2B
+5.9% YoY +0.5% QoQ
+$366.4M $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $2.4B
+6.9% YoY +1.1% QoQ
+$430.6M $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $2.7B
+0.1% YoY -4.3% QoQ
+$393.8M $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.44%
+5.9% YoY +1.7% QoQ
+0.05% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 4.09%
+6.9% YoY +1.7% QoQ
+0.22% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 57.94%
+0.6% YoY +2.2% QoQ
-1.79% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 1.34%
+123.3% YoY +13.9% QoQ
+0.47% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 88.25%
+6.8% YoY +5.7% QoQ
+3.21% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 22.38%
+8.4% YoY +4.3% QoQ
+1.11% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 1.01%
+124.8% YoY +13.9% QoQ
+0.34% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 9.87%
-13.1% YoY -16.8% QoQ
-4.98% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 4.9% in tier
Non-Interest Income / Assets ? 0.40%
+1.5% YoY +99.9% QoQ
-0.13% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
70%

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 22.4%
+1.7pp YoY
+0.9pp QoQ
 +1.0pp 21.4% 19.6% 22.2% 62%
Brokered Deposits 1.9%
-2.7pp QoQ
 -7.6pp 9.5% 7.2% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 15.0%
-1.6pp YoY
-0.5pp QoQ
 +1.0pp 14.0% 12.7% 12.5% 68%
CRE 60.8%
+2.9pp YoY
+0.6pp QoQ
 +10.8pp 50.0% 41.0% 41.4% 76%
1-4 Family 16.4%
-1.3pp YoY
-0.2pp QoQ
 -10.0pp 26.4% 28.1% 31.3% 34%
Consumer 1.9%
-0.6pp YoY
-0.1pp QoQ
 -2.9pp 4.7% 4.5% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.1% 19.7% n/a
Leverage Ratio 9.9%
+0.4pp YoY
0.0pp QoQ
 -1.4pp 11.3% 11.9% 12.6% 33%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 410
+4 (+1.0%) YoY
+16 (+4.1%) QoQ
 +96 313 315 482 78%
Assets per Employee ($) $7.7M
+4.8% YoY
-3.4% QoQ
 -$2.8M $10.5M $6.7M $8.8M 35%
Branch Count 38
+1 (+2.7%) YoY
0 QoQ
 +18 20 25 18 89%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 51%
Nonaccrual 1.3%
+0.7pp YoY
+0.2pp QoQ
 +0.5pp 0.8% 1.1% 1.0% 82%
Allowance Coverage 1.02x
-62.5% YoY
-21.8% QoQ
 -17.69x 18.71x 4.69x 20.23x 24%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 15.9%
-1.0pp YoY
+0.2pp QoQ
 +3.3pp 12.6% 12.3% 11.6% 78%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 2.0% 1.7% 65%
Net Income ($, YTD) $22.5M
+11.3% YoY
— QoQ
 +$3.2M $19.2M $16.0M $40.4M 74%

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 (1)

Capital Thin

risk
#56 of 222 • Bottom 24.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.87%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

843
Tier 1 Capital Ratio
capital
Value: 9.87%
Peer Median: 14.84%
#843 of 885 Bottom 4.9% in $1B-$10B
708
Delinquency Rate
credit_quality
Value: 1.34%
Peer Median: 0.87%
#708 of 882 Bottom 19.8% in $1B-$10B
696
Nonperforming Asset Ratio
credit_quality
Value: 1.01%
Peer Median: 0.67%
#696 of 885 Bottom 21.5% in $1B-$10B
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