Farmers Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 28.00 percentage points in Q2 2026, from 132.04% to 104.04%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Farmers Bank & Trust Company is 34th of 78 on return on assets, 1.43% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Farmers Bank & Trust Company sits 0.15 points higher, at 1.43% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.87% |
| Equity capital to assets | 9.15% |
| Tangible equity to tangible assets | 8.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 11.22% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 104.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 16.11% |
| Net interest margin | 4.04% |
| Efficiency ratio | 58.48% |
| Yield on earning assets | 6.05% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.45% |
| Core deposits to total deposits | 86.12% |
| Brokered deposits to total deposits | 1.85% |
| Deposits to assets | 85.85% |
| Securities to assets | 15.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.38% | 10.38% | 11.63% | 8.50% | 0.91% |
| Q4 2023 | 10.48% | 10.48% | 11.73% | 8.45% | 0.83% |
| Q1 2024 | 10.57% | 10.57% | 11.82% | 8.59% | 0.92% |
| Q2 2024 | 10.57% | 10.57% | 11.82% | 8.64% | 1.01% |
| Q3 2024 | 10.67% | 10.67% | 11.92% | 8.67% | 1.09% |
| Q4 2024 | 10.67% | 10.67% | 11.93% | 8.85% | 1.18% |
| Q1 2025 | 11.04% | 11.04% | 12.29% | 9.01% | 1.27% |
| Q2 2025 | 11.36% | 11.36% | 12.61% | 9.47% | 1.36% |
| Q3 2025 | 11.56% | 11.56% | 12.81% | 9.61% | 1.43% |
| Q4 2025 | 11.70% | 11.70% | 12.95% | 9.75% | 1.24% |
| Q1 2026 | 11.86% | 11.86% | 13.11% | 9.88% | 1.38% |
| Q2 2026 | — | — | — | 9.87% | 1.43% |
Farmers Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1291) · FFIEC NIC profile (RSSD 12946)