TellerScore

Farmers Bank & Trust Company (FDIC certificate #1291) is based in Magnolia, Arkansas. Its Q2 2026 call report shows $3.2B in total assets and $2.7B in deposits and 38 offices across 3 states.

Farmers Bank & Trust Company has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 59th. Problem-loan coverage contributes the most (80/100, 10.0%); capital cushion contributes the least (49/100, 9.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.87%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.32%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 88.2% · 29.4% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.95%

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 fell 8 points (69 → 61), mostly because the loan quality component weakened by 24 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202464
Q1 202568
Q2 202569
Q3 202570
Q4 202562
Q1 202663
Q2 202661
Tier 1 leverage ratio
5.00%7.44%9.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.64%
Q3 20248.67%
Q4 20248.85%
Q1 20259.01%
Q2 20259.47%
Q3 20259.61%
Q4 20259.75%
Q1 20269.88%
Q2 20269.87%
Noncurrent loans
0.41%0.87%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.59%
Q3 20240.41%
Q4 20240.48%
Q1 20250.52%
Q2 20250.59%
Q3 20250.57%
Q4 20251.09%
Q1 20261.16%
Q2 20261.32%
Return on assets
1.01%1.22%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.05%
Q4 20241.09%
Q1 20251.32%
Q2 20251.36%
Q3 20251.40%
Q4 20251.36%
Q1 20261.42%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$3.2B9.87%1.32%1.44%88.2%
Q1 202663$3.1B9.88%1.16%1.42%83.5%
Q4 202562$3.1B9.75%1.09%1.36%84.6%
Q3 202570$3.0B9.61%0.57%1.40%84.6%
Q2 202569$3.0B9.47%0.59%1.36%82.6%
Q1 202568$3.0B9.01%0.52%1.32%81.1%
Q4 202464$2.9B8.85%0.48%1.09%81.8%
Q3 202465$2.9B8.67%0.41%1.05%83.6%
Q2 202464$2.9B8.64%0.59%1.01%80.0%

897 peers · $1 billion – $10 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 ratio9.87%
33rd
Total risk-based capital0.00%
13th
Problem loans1.32%
20th
Net charge-offs0.19%
21st
Return on assets1.44%
66th
Net interest margin4.09%
73rd
Efficiency ratio57.9%
55th
Loans to deposits88.2%
47th
Uninsured deposits29.4%
55th
Loan-loss reserves1.34%
75th
Texas ratio10.0%
17th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs
First Community BankBank Batesville, AR62 out of 100, Moderate$3.6B9.0%0.31%vs
Encore BankBank Little Rock, AR61 out of 100, Moderate$3.7B9.4%0.17%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs

Deposit insurance

Is my money safe at Farmers Bank & Trust Company?

Yes. Farmers Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($797.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.87%, 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

38 locations

Branches

Farmers Bank & Trust Company lists 24 offices in 22 cities across 3 states. Most locations:

  • Malvern, AR (2)
  • Texarkana, TX (2)
  • Anna, TX (1)
  • Ashdown, AR (1)
  • Broken Bow, OK (1)
  • Bryant, AR (1)
  • Camden, AR (1)
  • De Queen, AR (1)
  • Dierks, AR (1)
  • Glenwood, AR (1)
  • Haskell, AR (1)
  • Hope, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers Bank & Trust Company reported 496 home-loan applications under HMDA (LEI 549300GKNMX0ZXKVPE54): 429 originated ($106,805,000 total), 33 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, 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 & Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
1291
RSSD ID
12946
Primary regulator
FED
Holding company
Magnolia Banking Corp
Established
January 1, 1906
Headquarters
200 E Main St, Magnolia, AR 71753
Employees
410

Quick answers

Farmers Bank & Trust Company: common questions

Is Farmers Bank & Trust Company FDIC insured?

Yes. Farmers Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank & Trust Company's TellerScore?

61 out of 100 (Moderate), 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 & Trust Company ever failed?

There is no failure record for FDIC certificate #1291 in the FDIC failed bank list.

How many branches does Farmers Bank & Trust Company have?

38 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Magnolia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs
The First National Bank of Tom BeanBank Tom Bean, TX67 out of 100, Moderate$155.6M12.1%1.23%vs
Bonvenu Bank, National AssociationBank Bossier City, LA67 out of 100, Moderate$1.6B10.0%0.13%vs
The Peoples BankBank Magnolia, AR65 out of 100, Moderate$195.9M13.6%2.23%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Bodcaw BankBank Stamps, AR60 out of 100, Moderate$247.3M10.9%1.38%vs