FBT BANK & MORTGAGE

FORDYCE, AR | Small | Est. Jan. 6, 1931, midnight | FDIC #1028 | RSSD #314444 | FED
Latest Report: 2025-12-31

FBT BANK & MORTGAGE is asn small FDIC-insured commercial bank headquartered in FORDYCE, AR, established in Jan. 6, 1931, midnight. As of 2025-12-31, the bank reported total assets of $247M and total deposits of $218M. Profitability stands at -0.33% ROA and -5.05% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 6.78%. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 6.66%. FDIC Certificate #1028.

Assets

$247M

Deposits

$218M

Loans

$153M

Equity

$17M

Profitability

Return on Assets (ROA) -0.33%
Return on Equity (ROE) -5.05%
Net Interest Margin (NIM) 4.36%
Yield on Assets 6.54%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 0.03%
Texas Ratio 6.66%
NPA Ratio 0.52%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 6.78%
Tier 1 Capital 6.78%
Total Capital Ratio 7.12%
Leverage Ratio 10.13%
Loan-to-Deposit 70.23%

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