FBT Bank & Mortgage
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Data as of · sourced from FFIEC call reports. How we update
FBT Bank & Mortgage is an FDIC-insured commercial bank headquartered in Fordyce, AR, established in 1931 (FDIC certificate 1028), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $263.6M, up 2.9% from Q2 2025, the 55th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.39% 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
- 1028
- Headquarters
- Fordyce, AR
- Established
- 1931
- Total assets, Q2 2026
- $263.6M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 10.39%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082901279
- Latest call report
- Q2 2026, FFIEC 051 · FBT Bank & Mortgage call report
- Holding company
- FBT BANCSHARES, INC.
- Asset rank in state
- 55th of 78 in Arkansas
FBT Bank & Mortgage is one of the more profitable banks of its size. The Fordyce, Arkansas bank had $264 million in assets at June 30, 2026, up 2.9% from a year earlier. It returns 20.4% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also lost 0.5% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
The commercial and industrial book ($31 million) is worsening: 4.34% of it is past due or on nonaccrual, up from 1.78% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.4 million equal 27% of Tier 1 capital, down from 42% a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, FBT Bank & Mortgage reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 5.11%. The figures come from its call report filed with the FFIEC.
FBT Bank & Mortgage ranks as the 55th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.2% to $263.6M, loans rose 1.4% and deposits rose 5.6%. 1-4 family residential loans made up 29.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.8%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in AR; its Fordyce 2 offices book 67% of its branch deposits. On its Q2 2026 call report, FBT Bank & Mortgage meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W 4th St, Fordyce, AR 71742
- County
- Dallas
- 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 6, 1931
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $222.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $272K
- Average total assets
- $266.5M
- Average total loans
- $156.1M
- Average interest-bearing deposits
- $155.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1028
- Fed RSSD
- 314444
- Website
- www.fbtbank.com →
- Parent Holding Company
- FBT BANCSHARES, INC. (RSSD 1099092)
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, FBT Bank & Mortgage 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, FBT Bank & Mortgage's total assets ran between $245.5M (Q3 2023) and $263.6M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$263.6M total assets against $256.1M; $246.2M total liabilities against $242.8M.
$156.0M net loans and leases against $147.5M; $222.1M total deposits against $223.3M.
$76.4M securities against $78.6M; $21.9M cash and balances due against $21.0M.
$3.8M total interest income against $3.7M; $1.2M total interest expense against $1.3M.
$2.7M net interest income against $2.4M.
$435K total noninterest income against $446K; $2.2M total noninterest expense against $2.2M.
$0 provision for credit losses against $0.
$857K net income against $687K.
1.29% return on assets against 1.06%; 4.28% net interest margin against 4.03%.
10.39% tier 1 leverage ratio against 9.83%.
Inside the full FBT Bank & Mortgage 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
FBT Bank & Mortgage rankings
Its closest position to the top of a national ranking is 1,316 of 3,640, for Texas Ratio; its furthest is 2,821 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.50% (Q4 2024) to 1.46% (Q1 2026) and its net interest margin ran from 3.47% (Q3 2024) to 4.47% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.39% | 1.29% | 0.69% | 5.11% | 4.28% |
| Q1 2026 | 10.57% | 1.46% | 0.99% | 7.49% | 4.47% |
| Q4 2025 | 10.13% | -0.31% | 0.95% | 6.60% | 4.16% |
| Q3 2025 | 9.98% | 1.20% | 0.91% | 6.38% | 4.22% |
| Q2 2025 | 9.83% | 1.06% | 0.86% | 6.95% | 4.03% |
| Q1 2025 | 9.31% | 1.05% | 0.48% | 4.77% | 3.74% |
| Q4 2024 | 9.37% | -0.50% | 0.56% | 4.08% | 3.59% |
| Q3 2024 | 9.53% | 1.19% | 0.65% | 4.27% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| FBT Bank & Mortgage (main office) | Fordyce , AR | 71742 | $149.8M |
| White Hall Branch | White Hall , AR | 71602 | $39.8M |
| Rison Branch | Rison , AR | 71665 | $21.7M |
| Pine Bluff Branch | Pine Bluff , AR | 71603 | $10.8M |
| Northwest Branch | Fordyce , AR | 71742 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 71 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 105 loans originated, $10.4M originated, across 3 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $7K approved, $7K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 FBT Bank & Mortgage
What are FBT Bank & Mortgage's total assets?
As of the Q2 2026 filing, FBT Bank & Mortgage reported total assets of $263.6 million in its FFIEC call report.
Where is FBT Bank & Mortgage headquartered?
It is headquartered in Fordyce, AR, United States.
When was FBT Bank & Mortgage founded?
It was established in 1931, per the FDIC institution directory.
Is FBT Bank & Mortgage FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FBT Bank & Mortgage?
FBT Bank & Mortgage's primary federal regulator is the Federal Reserve.
How many branches does FBT Bank & Mortgage operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FBT Bank & Mortgage's Texas Ratio?
Its Texas Ratio is 5.11% 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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