FBT Bank & Mortgage: 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.
Brokered deposits to total deposits climbed 5.51 percentage points in Q2 2026, from 0.00% to 5.51%. It was the largest change from Q1 2026 among the key lines here. FBT Bank & Mortgage ranks 41st of 78 Arkansas banks on return on assets, in the lower half at 1.29% (Q2 2026). At 1.29%, FBT Bank & Mortgage's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (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 | 10.39% |
| Equity capital to assets | 6.61% |
| Tangible equity to tangible assets | 6.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.89% |
| Non-performing assets ratio | 1.16% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 15.86% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 72.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 20.43% |
| Net interest margin | 4.28% |
| Efficiency ratio | 71.06% |
| Yield on earning assets | 6.17% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.20% |
| Core deposits to total deposits | 81.40% |
| Brokered deposits to total deposits | 5.51% |
| Deposits to assets | 84.28% |
| Securities to assets | 28.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.13% | 1.29% | 3.73% | 2.25% | 0.10% |
| Q4 2023 | 9.61% | 0.23% | 3.64% | 1.96% | 0.42% |
| Q1 2024 | 9.43% | 1.22% | 3.45% | 2.05% | -0.06% |
| Q2 2024 | 9.36% | 0.83% | 3.51% | 2.03% | 0.11% |
| Q3 2024 | 9.53% | 1.19% | 3.47% | 2.02% | -0.04% |
| Q4 2024 | 9.37% | -0.50% | 3.59% | 1.78% | 0.05% |
| Q1 2025 | 9.31% | 1.05% | 3.74% | 1.83% | -0.06% |
| Q2 2025 | 9.83% | 1.06% | 4.03% | 1.99% | 0.10% |
| Q3 2025 | 9.98% | 1.20% | 4.22% | 2.11% | 0.09% |
| Q4 2025 | 10.13% | -0.31% | 4.16% | 2.14% | -0.02% |
| Q1 2026 | 10.57% | 1.46% | 4.47% | 2.12% | 0.36% |
| Q2 2026 | 10.39% | 1.29% | 4.28% | 1.89% | 0.34% |
FBT Bank & Mortgage vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FBT Bank & Mortgage, 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 FBT Bank & Mortgage profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1028) · FFIEC NIC profile (RSSD 314444)