TellerScore

Farmers Bank (FDIC certificate #1296) is based in Greenwood, Arkansas. Its Q2 2026 call report shows $288.7M in total assets and $247.9M in deposits and 10 offices.

Based on its Q2 2026 filing, Farmers Bank scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 4th. Its strongest component is capital cushion (100/100; 16.23%), and its lowest is earnings (66/100; 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.23%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 66.0% · 18.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (88 → 90), mostly because the earnings component improved by 6 points.

TellerScore
858891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202491
Q4 202489
Q1 202589
Q2 202588
Q3 202587
Q4 202585
Q1 202685
Q2 202690
Tier 1 leverage ratio
5.00%10.61%16.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.65%
Q3 202415.97%
Q4 202416.16%
Q1 202515.84%
Q2 202515.96%
Q3 202516.13%
Q4 202516.15%
Q1 202615.80%
Q2 202616.23%
Noncurrent loans
0.09%0.37%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.09%
Q4 20240.17%
Q1 20250.19%
Q2 20250.34%
Q3 20250.37%
Q4 20250.44%
Q1 20260.66%
Q2 20260.20%
Return on assets
0.80%1.03%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.10%
Q4 20241.00%
Q1 20250.92%
Q2 20251.00%
Q3 20250.93%
Q4 20250.80%
Q1 20261.02%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$288.7M16.23%0.20%1.16%66.0%
Q1 202685$286.6M15.80%0.66%1.02%66.3%
Q4 202585$287.6M16.15%0.44%0.80%65.6%
Q3 202587$282.1M16.13%0.37%0.93%66.2%
Q2 202588$287.5M15.96%0.34%1.00%62.2%
Q1 202589$282.3M15.84%0.19%0.92%62.5%
Q4 202489$277.4M16.16%0.17%1.00%64.2%
Q3 202491$281.5M15.97%0.09%1.10%63.8%
Q2 202490$284.2M15.65%0.34%1.27%62.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.23%
91st
Total risk-based capital0.00%
24th
Problem loans0.20%
65th
Net charge-offs0.01%
43rd
Return on assets1.16%
45th
Net interest margin4.10%
59th
Efficiency ratio70.7%
28th
Loans to deposits66.0%
75th
Uninsured deposits18.1%
71st
Loan-loss reserves0.73%
9th
Texas ratio0.8%
72nd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Springdale, AR74 out of 100, Strong$296.0M10.7%0.10%vs
First National Bank Of CommerceBank Walnut Ridge, AR80 out of 100, Strong$296.6M10.6%0.17%vs
Merchants and Farmers BankBank Dumas, AR50 out of 100, Below average$297.6M10.7%2.40%vs
Horatio State BankBank Horatio, AR68 out of 100, Moderate$311.5M12.0%1.18%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
FBT Bank & MortgageBank Fordyce, AR72 out of 100, Strong$263.6M10.4%0.69%vs

Deposit insurance

Is my money safe at Farmers Bank?

Yes. Farmers Bank is an FDIC-insured institution (FDIC certificate #1296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($44.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Farmers Bank lists 10 offices in 9 cities. Most locations:

  • Fort Smith, AR (2)
  • Bonanza, AR (1)
  • Geeenwood, AR (1)
  • Greenwood, AR (1)
  • Hackett, AR (1)
  • Hartford, AR (1)
  • Huntington, AR (1)
  • Lavaca, AR (1)
  • Mansfield, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers Bank reported 134 home-loan applications under HMDA (LEI 5493003L2LYA333BZY52): 105 originated ($19,555,000 total), 22 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Farmers Bank
Type
State-chartered bank
FDIC certificate #
1296
RSSD ID
325141
Primary regulator
FDIC
Holding company
Wilkinson Banking Corp
Established
August 1, 1907
Headquarters
71 W Center St, Greenwood, AR 72936
Employees
59

Quick answers

Farmers Bank: common questions

Is Farmers Bank FDIC insured?

Yes. Farmers Bank is an FDIC-insured institution (FDIC certificate #1296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Bank ever failed?

There is no failure record for FDIC certificate #1296 in the FDIC failed bank list.

How many branches does Farmers Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenwood

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR89 out of 100, Very strong$13.1M23.6%0.31%vs
Arkansas Best Federal Credit UnionCredit union Fort Smith, AR84 out of 100, Strong$144.0M16.3%0.62%vs
Citizens' Bank & Trust Co.Bank Van Buren, AR82 out of 100, Strong$566.4M11.8%0.20%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs