FARMERS BANK & TRUST COMPANY

MAGNOLIA, AR | Large | Est. Jan. 1, 1906, midnight | FDIC #1291 | RSSD #12946 | FED
Latest Report: 2025-12-31

FARMERS BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in MAGNOLIA, AR, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $3.1B and total deposits of $2.7B. Profitability stands at 1.27% ROA and 14.28% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.08% and a Texas Ratio of 8.19%. FDIC Certificate #1291.

Assets

$3.1B

Deposits

$2.7B

Loans

$2.3B

Equity

$275M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 14.28%
Net Interest Margin (NIM) 3.85%
Yield on Assets 6.12%
Cost of Funds 4.35%

Asset Quality

NPL Ratio 1.08%
Net Charge-Off Ratio 0.13%
Texas Ratio 8.19%
NPA Ratio 0.83%
ACL / Loans 1.54%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.95%
Leverage Ratio 9.75%
Loan-to-Deposit 85.90%

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