TellerScore

Fm Bank And Trust is a state-chartered bank (fed member) headquartered in Blytheville, Arkansas, in business for about 118 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 16 offices across 2 states.

Based on its Q2 2026 filing, Fm Bank And Trust scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 38th. Its strongest component is earnings (100/100; 2.37%), and its lowest is capital cushion (36/100; 8.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.62%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings100/100
Return on assets (annualized): 2.37%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 91.9% · 26.3% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.83%

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 17 points (52 → 69), mostly because the loan quality component improved by 58 points.

TellerScore
526373Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202470
Q1 202565
Q2 202552
Q3 202554
Q4 202559
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%7.14%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.00%
Q3 20249.29%
Q4 20248.49%
Q1 20258.63%
Q2 20258.76%
Q3 20258.46%
Q4 20258.64%
Q1 20268.96%
Q2 20268.62%
Noncurrent loans
0.35%1.30%2.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.48%
Q4 20240.53%
Q1 20251.13%
Q2 20252.25%
Q3 20251.80%
Q4 20251.55%
Q1 20260.76%
Q2 20260.52%
Return on assets
1.88%2.28%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.43%
Q3 20242.45%
Q4 20242.67%
Q1 20252.01%
Q2 20251.89%
Q3 20251.88%
Q4 20251.96%
Q1 20262.62%
Q2 20262.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.4B8.62%0.52%2.37%91.9%
Q1 202669$1.3B8.96%0.76%2.62%91.4%
Q4 202559$586.3M8.64%1.55%1.96%86.0%
Q3 202554$582.4M8.46%1.80%1.88%93.7%
Q2 202552$563.8M8.76%2.25%1.89%90.1%
Q1 202565$568.6M8.63%1.13%2.01%82.1%
Q4 202470$429.7M8.49%0.53%2.67%86.5%
Q3 202472$432.4M9.29%0.48%2.45%89.8%
Q2 202473$410.4M9.00%0.35%2.43%87.7%

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 ratio8.62%
7th
Total risk-based capital11.67%
29th
Problem loans0.52%
50th
Net charge-offs0.10%
31st
Return on assets2.37%
95th
Net interest margin5.06%
95th
Efficiency ratio48.6%
80th
Loans to deposits91.9%
35th
Uninsured deposits26.3%
67th
Loan-loss reserves1.52%
87th
Texas ratio4.8%
40th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Relyance BankBank White Hall, AR76 out of 100, Strong$1.4B13.3%0.40%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
Evolve Bank & TrustBank West Memphis, AR50 out of 100, Below average$1.2B12.9%1.88%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
First Arkansas Bank and TrustBank Jacksonville, AR63 out of 100, Moderate$1.1B10.7%1.63%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs

Deposit insurance

Is my money safe at Fm Bank And Trust?

Yes. Fm Bank And Trust is an FDIC-insured institution (FDIC certificate #1027). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.3% of deposits ($316.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.62%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.67% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Fm Bank And Trust lists 13 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fm Bank And Trust
Former names
Farmers Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
1027
RSSD ID
33147
Primary regulator
FED
Holding company
Farmers Bcorp Inc
Established
March 16, 1908
Headquarters
400 W Main St, Blytheville, AR 72315
Employees
158

Quick answers

Fm Bank And Trust: common questions

Is Fm Bank And Trust FDIC insured?

Yes. Fm Bank And Trust is an FDIC-insured institution (FDIC certificate #1027). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fm Bank And Trust's TellerScore?

69 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 Fm Bank And Trust ever failed?

There is no failure record for FDIC certificate #1027 in the FDIC failed bank list.

How many branches does Fm Bank And Trust have?

16 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Blytheville

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
The Park National BankBank Newark, OH72 out of 100, Strong$12.6B10.3%0.86%vs
The Lauderdale County BankBank Halls, TN67 out of 100, Moderate$67.5M11.5%1.50%vs