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Farmers Bank & Trust Company
Magnolia, AR · FDIC Certificate #1291 · Chartered 01/0
Total assets
$3.16B
Total deposits
$2.71B
Total equity
$289.26M
Net loans
$2.39B
Branches (offices)
38
Net income (YTD)
$22.46M
Rank: #409 of 4,213 U.S. banks by assets · #8 of 78 in Arkansas. Assets changed 5.9% and deposits 0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 15.94% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 9.15% |
| Tier 1 leverage ratio | 9.87% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 1.32% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 82.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.98B | 82.8% | |
| Commercial & industrial | $358.43M | 15.0% | |
| Consumer / individual | $44.58M | 1.9% | |
| Construction & development | $234.39M | 9.8% | |
| Agricultural | $29.80M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.49B | $2.26B | $14.76M | $186.58M |
| Jun 2023 | $2.67B | $2.41B | $11.39M | $189.31M |
| Jun 2024 | $2.91B | $2.59B | $14.31M | $214.46M |
| Jun 2025 | $2.98B | $2.71B | $20.18M | $248.65M |
| Jun 2026 | $3.16B | $2.71B | $22.46M | $289.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.56B | 29 |
| Texas | $1.09B | 7 |
| Oklahoma | $55.63M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.71B.
Similar-sized banks
Monet Bank ($3.16B) · Centreville Bank ($3.15B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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