Farmers Bank (Greenwood, AR)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank is an FDIC-insured commercial bank headquartered in Greenwood, AR, established in 1907 (FDIC certificate 1296), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $288.7M, up 0.4% from Q2 2025, the 54th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1296
- Headquarters
- Greenwood, AR
- Established
- 1907
- Total assets, Q2 2026
- $288.7M
- Assets vs Q2 2025
- +0.4%
- Tier 1 leverage ratio, Q2 2026
- 16.23%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 082902265
- Latest call report
- Q2 2026, FFIEC 041 · Farmers Bank call report
- Holding company
- WILKINSON BANKING CORPORATION
- Asset rank in state
- 54th of 78 in Arkansas
Farmers Bank carries far more capital than most banks of its size. It reported $289 million in assets at June 30, 2026. It funds 16.23% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 36% of its capital, about a third the median of 1.2 times for banks its size.
The commercial and industrial book ($19 million) is worsening: 6.72% of it is past due or on nonaccrual, up from 0.95% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 5.0% and deposits fell 1.0%.
As of June 30, 2026, Farmers Bank reported a return on assets of 1.30%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.83%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Farmers Bank is the 54th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $288.7M, loans were flat and deposits rose 0.5%. 1-4 family residential loans made up 51.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.7%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in AR; its Greenwood office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 71 W Center St, Greenwood, AR 72936
- County
- Sebastian
- Metro Area
- Fort Smith, AR-OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 1, 1907
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $247.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $286.6M
- Average total loans
- $164.9M
- Average interest-bearing deposits
- $180.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1296
- Fed RSSD
- 325141
- Website
- www.gofarmersbank.com →
- Parent Holding Company
- WILKINSON BANKING CORPORATION (RSSD 1417511)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers Bank's total assets ran between $275.8M (Q3 2023) and $288.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$288.7M total assets against $287.5M; $249.1M total liabilities against $251.3M.
$163.6M net loans and leases against $155.7M; $247.9M total deposits against $250.2M.
$80.2M securities against $78.5M; $22.6M cash and balances due against $29.3M.
$3.5M total interest income against $3.3M; $775K total interest expense against $985K.
$2.7M net interest income against $2.4M.
$638K total noninterest income against $675K; $2.3M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$932K net income against $765K.
1.30% return on assets against 1.08%; 4.20% net interest margin against 3.69%.
16.23% tier 1 leverage ratio against 15.96%.
Inside the full Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Bank rankings
Its closest position to the top of a national ranking is 1,745 of 3,611, for ROA; its furthest is 2,776 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q4 2025) to 1.30% (Q2 2026) and its net interest margin ran from 3.48% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.23% | 1.30% | 0.20% | 0.83% | 4.20% |
| Q1 2026 | 15.80% | 1.02% | 0.66% | 2.82% | 4.07% |
| Q4 2025 | 16.15% | 0.41% | 0.44% | 1.84% | 3.93% |
| Q3 2025 | 16.13% | 0.80% | 0.37% | 1.58% | 3.89% |
| Q2 2025 | 15.96% | 1.08% | 0.34% | 1.51% | 3.69% |
| Q1 2025 | 15.84% | 0.92% | 0.19% | 0.83% | 3.68% |
| Q4 2024 | 16.16% | 0.69% | 0.17% | 0.77% | 3.61% |
| Q3 2024 | 15.97% | 0.79% | 0.09% | 0.38% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers Bank (main office) | Greenwood , AR | 72936 | $168.9M |
| Fort Smith South Branch | Fort Smith , AR | 72908 | $26.6M |
| Mansfield Branch | Mansfield , AR | 72944 | $13.5M |
| Eastside Branch | Fort Smith , AR | 72903 | $11.8M |
| Center Street Motor Branch | Geeenwood , AR | 72936 | $11.4M |
| Lavaca Branch | Lavaca , AR | 72941 | $4.7M |
| Teller's Window Branch | Hartford , AR | 72938 | $3.9M |
| Teller's Window Branch | Hackett , AR | 72937 | $3.8M |
| Bonanza Branch | Bonanza , AR | 72916 | $1.9M |
| Huntington, Arkansas Branch | Huntington , AR | 72940 | $1.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 66 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 134 applications, 105 loans originated, $19.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $167K approved, $84K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Bank
What are Farmers Bank's total assets?
As of the Q2 2026 filing, Farmers Bank reported total assets of $288.7 million in its FFIEC call report.
Where is Farmers Bank headquartered?
It is headquartered in Greenwood, AR, United States.
When was Farmers Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank?
Farmers Bank's primary federal regulator is the FDIC.
How many branches does Farmers Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank's Texas Ratio?
Its Texas Ratio is 0.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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