FBT BANK & MORTGAGE
FBT BANK & MORTGAGE is an FDIC-insured commercial bank headquartered in FORDYCE, AR, established in 1931. As of , 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 4.12%. CET1 capital ratio: 6.78%. NPL ratio: 2.14% · Texas Ratio: 17.11%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer) — triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Fbt Bank & Mortgage rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 6.78% | -0.33% | 2.14% | 17.11% | 4.12% |
| 2025-09-30 | 6.16% | 1.23% | 2.11% | 17.35% | 4.21% |
| 2025-06-30 | 5.21% | 1.08% | 1.99% | 19.11% | 4.03% |
| 2025-03-31 | 5.16% | 1.11% | 1.83% | 17.88% | 3.76% |
| 2024-12-31 | 5.11% | -0.53% | 1.78% | 17.44% | 3.78% |
| 2024-09-30 | 5.90% | 1.25% | 2.02% | 17.01% | 3.58% |
| 2024-06-30 | 5.07% | 0.86% | 2.03% | 19.44% | 3.61% |
| 2024-03-31 | 5.11% | 1.28% | 2.05% | 19.43% | 3.57% |
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Frequently asked about FBT BANK & MORTGAGE
What are Fbt Bank & Mortgage's total assets?
As of the Q4 2025 filing, Fbt Bank & Mortgage reported total assets of $246.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fbt Bank & Mortgage headquartered?
Fbt Bank & Mortgage is headquartered in FORDYCE, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Fbt Bank & Mortgage founded?
Fbt Bank & Mortgage was established in 1931, per the FDIC institution directory.
Is Fbt Bank & Mortgage FDIC-insured?
Yes. Fbt Bank & Mortgage is an FDIC-insured commercial bank (FDIC Certificate #1028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fbt Bank & Mortgage?
Fbt Bank & Mortgage's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fbt Bank & Mortgage's CET1 capital ratio?
Fbt Bank & Mortgage reported a Common Equity Tier 1 (CET1) capital ratio of 6.78% in its most recent quarterly filing — below the well-capitalized threshold.
How many branches does Fbt Bank & Mortgage operate?
Fbt Bank & Mortgage operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Fbt Bank & Mortgage's Texas Ratio?
Fbt Bank & Mortgage's Texas Ratio is 17.11% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.