FM BANK AND TRUST

BLYTHEVILLE, AR | Medium | Est. March 16, 1908, midnight | FDIC #1027 | RSSD #33147 | FED
Latest Report: 2025-12-31

FM BANK AND TRUST is amn medium FDIC-insured commercial bank headquartered in BLYTHEVILLE, AR, established in March 16, 1908, midnight. As of 2025-12-31, the bank reported total assets of $586M and total deposits of $534M. Profitability stands at 2.15% ROA and 28.35% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 11.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.54% and a Texas Ratio of 14.02%. FDIC Certificate #1027.

Assets

$586M

Deposits

$534M

Loans

$465M

Equity

$46M

Profitability

Return on Assets (ROA) 2.15%
Return on Equity (ROE) 28.35%
Net Interest Margin (NIM) 4.64%
Yield on Assets 7.23%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 1.54%
Net Charge-Off Ratio 0.84%
Texas Ratio 14.02%
NPA Ratio 1.24%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 11.08%
Tier 1 Capital 11.08%
Total Capital Ratio 12.33%
Leverage Ratio 8.64%
Loan-to-Deposit 87.05%

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