Farmers Bank & Trust Company (Magnolia, AR)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank & Trust Company is an FDIC-insured commercial bank headquartered in Magnolia, AR, established in 1906 (FDIC certificate 1291), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.16B, up 5.9% from Q2 2025, the 8th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1291
- Headquarters
- Magnolia, AR
- Established
- 1906
- Total assets, Q2 2026
- $3.16B
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 9.87%
- Domestic offices
- 38 FDIC institution directory, current count
- Routing number
- 082901635
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank & Trust Company call report
- Holding company
- MAGNOLIA BANKING CORPORATION
- Asset rank in state
- 8th of 78 in Arkansas
Problem loans are rising at Farmers Bank & Trust Company. The Magnolia, Arkansas bank had $3.2 billion in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.59% a year earlier. It carries problem assets equal to 11.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Loans are outrunning deposits: over the year loans rose 6.6% and deposits rose 0.1%. The non-owner-occupied commercial real estate book ($836 million) is worsening: 1.72% of it is past due or on nonaccrual, up from 0.14% a year earlier. One more trend to watch: the commercial and industrial book ($358 million) is worsening: 1.59% of it is past due or on nonaccrual, up from 0.69% a year earlier.
As of June 30, 2026, Farmers Bank & Trust Company reported a return on assets of 1.43%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 11.22%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers Bank & Trust Company is the 8th largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $3.16B, loans rose 0.9% and deposits fell 4.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.4% of total loans, followed by 1-4 family residential loans at 16.2%. Its 38 offices in the FDIC Summary of Deposits are in 24 cities across 3 states; its Magnolia 8 offices book 26% of its branch deposits. On its Q2 2026 call report, Farmers Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Main St, Magnolia, AR 71753
- County
- Columbia
- Metro Area
- Magnolia, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 38 FDIC institution directory, current count
- Employees (FTE)
- 410
- Domestic deposits
- $2.71B
- Allowance for credit losses
- $32.6M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $3.22B
- Average total loans
- $2.42B
- Average interest-bearing deposits
- $2.17B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1291
- Fed RSSD
- 12946
- SEC CIK
- 1685527 → filed by MAGNOLIA BANKING CORPORATION
- Website
- www.myfarmers.bank →
- Parent Holding Company
- MAGNOLIA BANKING CORPORATION (RSSD 1135413)
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 & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers Bank & Trust Company's total assets ranged from $2.72B (Q3 2023) to $3.16B (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
$3.16B total assets against $2.98B; $2.87B total liabilities against $2.74B.
$2.39B net loans and leases against $2.24B; $2.71B total deposits against $2.71B.
$486.8M securities against $469.3M; $59.7M cash and balances due against $72.5M.
$44.9M total interest income against $43.0M; $15.1M total interest expense against $16.3M.
$29.9M net interest income against $26.7M.
$6.4M total noninterest income against $5.9M; $21.6M total noninterest expense against $19.4M.
$902K provision for credit losses against $1.5M.
$11.5M net income against $10.4M.
1.43% return on assets against 1.36%; 4.04% net interest margin against 3.79%.
9.87% tier 1 leverage ratio against 9.47%.
Inside the full Farmers Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Farmers Bank & Trust Company rankings
Its closest position to the top of a national ranking is 401 of 4,196, for total assets; its furthest is 567 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q3 2024) to 1.43% (Q2 2026) and its net interest margin ran from 3.43% (Q3 2024) to 4.04% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.87% | 1.43% | 1.32% | 11.22% | 4.04% |
| Q1 2026 | 9.88% | 1.38% | 1.16% | 9.93% | 3.90% |
| Q4 2025 | 9.75% | 1.24% | 1.09% | 9.35% | 3.75% |
| Q3 2025 | 9.61% | 1.43% | 0.57% | 4.93% | 3.95% |
| Q2 2025 | 9.47% | 1.36% | 0.59% | 5.41% | 3.79% |
| Q1 2025 | 9.01% | 1.27% | 0.52% | 4.97% | 3.59% |
| Q4 2024 | 8.85% | 1.18% | 0.48% | 4.83% | 3.57% |
| Q3 2024 | 8.67% | 1.09% | 0.41% | 4.90% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 38 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 & Trust Company (main office) | Magnolia , AR | 71753 | $693.8M |
| Prosper Branch | Prosper , TX | 75078 | $303.0M |
| Texarkana St. Michael Drive Branch | Texarkana , TX | 75503 | $303.0M |
| Paris Branch | Paris , TX | 75460 | $197.8M |
| Hope - Main | Hope , AR | 71801 | $188.1M |
| JeffersonCamden Branch | Camden , AR | 71701 | $144.5M |
| Paris Main Branch | Paris , TX | 75460 | $139.4M |
| New Boston Branch | New Boston , TX | 75570 | $92.3M |
| Malvern Branch | Malvern , AR | 72104 | $55.3M |
| Richmond Road Branch | Texarkana , TX | 75503 | $53.0M |
| Dequeen Main Branch | De Queen , AR | 71832 | $52.3M |
| Prescott Branch | Prescott , AR | 71857 | $51.4M |
| Ashdown Main Branch | Ashdown , AR | 71822 | $40.8M |
| Nashville Branch | Nashville , AR | 71852 | $39.5M |
| Mt Ida Main Branch | Mount Ida , AR | 71957 | $33.6M |
| Broken Bow Main Branch | Broken Bow , OK | 74728 | $28.8M |
| Texarkana, Arkansas Branch | Texarkana , AR | 71854 | $27.5M |
| Idabel Main Branch | Idabel , OK | 74745 | $26.9M |
| Arkansas Blvd Branch | Texarkana , AR | 71854 | $26.5M |
| BentonBryant Branch | Bryant , AR | 72019 | $25.3M |
| Haskell Branch | Haskell , AR | 72015 | $21.5M |
| Arkla Branch | Taylor , AR | 71861 | $21.2M |
| Glenwood Branch | Glenwood , AR | 71943 | $20.9M |
| 3rd & Walnut Branch | Paris , AR | 72855 | $20.7M |
| Dierks Branch | Dierks , AR | 71833 | $18.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2019 | Structure Change | Acquired Bank of Prescott Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2015 | Structure Change | Acquired 1st Bank, National Association. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2008 | Structure Change | Acquired Southern State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 8, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in AR, rank 14 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 496 applications, 429 loans originated, $106.8M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $372K approved, $372K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 & Trust Company
What are Farmers Bank & Trust Company's total assets?
As of the Q2 2026 filing, Farmers Bank & Trust Company reported total assets of $3.16 billion in its FFIEC call report.
Where is Farmers Bank & Trust Company headquartered?
It is headquartered in Magnolia, AR, United States.
When was Farmers Bank & Trust Company founded?
It was established in 1906, per the FDIC institution directory.
Is Farmers Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank & Trust Company?
Farmers Bank & Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Farmers Bank & Trust Company operate?
It operates 38 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 11.22% 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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