Bank Safety Analysis
Is Farmers Bank & Trust Company Safe? Magnolia, Arkansas
Based on its Q3 2026 call report, Farmers Bank & Trust Company meets the community bank leverage ratio test for well capitalized, its Texas ratio is 14.56%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers Bank & Trust Company safe?
On its Q3 2026 call report, Farmers Bank & Trust Company's Community Bank Leverage Ratio is 10.11%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 10.11%
- Texas ratio (Q3 2026): 14.56%
- Noncurrent loans ratio (Q3 2026): 1.55%
Farmers Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #1291). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers Bank & Trust Company (FDIC Certificate #1291) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Farmers Bank & Trust Company meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital.
Compared with Q2 2026, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose 0.23 percentage points in Q3 2026 to 1.55%, the biggest move on this page. Farmers Bank & Trust Company ranks 53rd of 78 Arkansas banks on leverage ratio, in the lower half at 10.11% (Q3 2026). The median for banks in the $1B-10B asset tier is 10.54% on leverage ratio. Farmers Bank & Trust Company sits 0.43 points lower, at 10.11% (Q3 2026).
From Q4 2023 to Q3 2026, Farmers Bank & Trust Company's CET1 ratio ranged between 10.48% (Q4 2023) and 11.86% (Q1 2026) and its Texas ratio ranged between 4.83% (Q4 2024) and 14.56% (Q3 2026). Between Q3 2025 and Q3 2026, Farmers Bank & Trust Company's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.57% to 1.55%, Texas ratio rose from 4.93% to 14.56% and return on assets rose from 1.43% to 1.47%.
By total assets at Q3 2026, Farmers Bank & Trust Company is the 9th largest of the 78 banks headquartered in Arkansas. Non-owner-occupied commercial real estate loans are its largest loan category, $890.9M of $2.43B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Farmers Bank & Trust Company's community bank leverage ratio of 10.11% is below the 10.54% median, nonperforming loans ratio of 1.55% is above the 0.54% median, Texas ratio of 14.56% is above the 3.95% median, and efficiency ratio of 52.73% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Farmers Bank & Trust Company's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Farmers Bank & Trust Company score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Farmers Bank & Trust Company trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 14.56% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.55% | Within range |
| Uninsured deposit share BankRegReports band | 28.40% | Within range |
| Loan-to-deposit ratio BankRegReports band | 87.03% | Within range |
| Commercial real estate to capital supervisory threshold | 318.17% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 10 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2026 | 11.86% |
| Q4 2025 | 11.70% |
| Q3 2025 | 11.56% |
| Q2 2025 | 11.36% |
| Q1 2025 | 11.04% |
| Q4 2024 | 10.67% |
| Q3 2024 | 10.67% |
| Q2 2024 | 10.57% |
| Q1 2024 | 10.57% |
| Q4 2023 | 10.48% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 14.56% |
| Q2 2026 | 11.22% |
| Q1 2026 | 9.93% |
| Q4 2025 | 9.35% |
| Q3 2025 | 4.93% |
| Q2 2025 | 5.41% |
| Q1 2025 | 4.97% |
| Q4 2024 | 4.83% |
| Q3 2024 | 4.90% |
| Q2 2024 | 5.95% |
| Q1 2024 | 6.18% |
| Q4 2023 | 5.79% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $890.9M
- 1-4 family residential loans: $397.4M
- Commercial and industrial loans: $376.8M
- Owner-occupied commercial real estate loans: $309.0M
- Construction and land development loans: $205.0M
- Multifamily loans: $35.0M
- Other consumer loans: $31.0M
- Agricultural production loans: $30.3M
How have Farmers Bank & Trust Company's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $3.12B | 10.11% | 1.55% | 14.56% | 52.73% |
| Jun 30, 2026 | $3.16B | 9.87% | 1.32% | 11.22% | 58.48% |
| Mar 31, 2026 | $3.14B | 9.88% | 1.16% | 9.93% | 56.02% |
| Dec 31, 2025 | $3.05B | 9.75% | 1.09% | 9.35% | 61.78% |
| Sep 30, 2025 | $3.01B | 9.61% | 0.57% | 4.93% | 53.82% |
| Jun 30, 2025 | $2.98B | 9.47% | 0.59% | 5.41% | 58.38% |
| Mar 31, 2025 | $2.98B | 9.01% | 0.52% | 4.97% | 55.45% |
| Dec 31, 2024 | $2.94B | 8.85% | 0.48% | 4.83% | 51.56% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers Bank & Trust Company FDIC insured?
Yes. Farmers Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #1291). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers Bank & Trust Company well capitalized?
On its Q3 2026 call report, Farmers Bank & Trust Company's Community Bank Leverage Ratio is 10.11%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Farmers Bank & Trust Company's key safety ratios?
For Q3 2026, Farmers Bank & Trust Company reports leverage 10.11%, Texas ratio 14.56%, noncurrent loans 1.55%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Farmers Bank & Trust Company fails?
For Q3 2026, Farmers Bank & Trust Company reported $2.79B in total deposits, 28.40% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers Bank & Trust Company profile.
How we score this
Farmers Bank & Trust Company elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Farmers Bank & Trust Company fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 1291) · FFIEC NIC profile (RSSD 12946)
Explore: Full Farmers Bank & Trust Company profile · Other banks in AR · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.