FM Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
FM Bank and Trust is an FDIC-insured commercial bank headquartered in Blytheville, AR, established in 1908 (FDIC certificate 1027), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.36B, the 18th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 10.42% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1027
- Headquarters
- Blytheville, AR
- Established
- 1908
- Total assets, Q2 2026
- $1.36B
- CET1 ratio, Q2 2026
- 10.42%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 084101051
- Latest call report
- Q2 2026, FFIEC 051 · FM Bank and Trust call report
- Holding company
- FARMERS BANCORP INC.
- Asset rank in state
- 18th of 78 in Arkansas
FM Bank and Trust is one of the more profitable banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, against $564 million a year earlier; it is based in Blytheville, Arkansas. It returns 24.6% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 10.42% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $6.7 million, 176% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.52% of loans from 2.25%.
As of June 30, 2026, FM Bank and Trust reported a CET1 capital ratio of 10.42%, a return on assets of 2.00%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 4.83%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, FM Bank and Trust is the 18th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.6% to $1.36B, loans rose 3.1% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.0% of total loans, followed by farmland and other real estate loans at 15.6%. The FDIC Summary of Deposits lists 16 offices for it, in 13 cities across 2 states; its Blytheville 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, FM Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 W Main St, Blytheville, AR 72315
- County
- Mississippi
- Metro Area
- Blytheville, 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
- March 16, 1908
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $1.20B
- Allowance for credit losses
- $17.0M
- Net charge-offs (YTD)
- $440K
- Average total assets
- $1.33B
- Average total loans
- $1.10B
- Average interest-bearing deposits
- $1.01B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1027
- Fed RSSD
- 33147
- Website
- www.myfm.bank →
- Parent Holding Company
- FARMERS BANCORP INC. (RSSD 1247615)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
FM Bank and Trust's total assets moved between a low of $381.2M (Q3 2023) and a high of $1.36B (Q2 2026) from Q3 2023 to 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
$1.36B total assets against $563.8M; $1.26B total liabilities against $520.4M.
$1.11B net loans and leases against $459.4M; $1.20B total deposits against $509.7M.
$50.0M securities against $39.3M; $135.4M cash and balances due against $42.0M.
$20.3M total interest income against $8.5M; $7.2M total interest expense against $3.4M.
$13.1M net interest income against $5.1M.
$1.4M total noninterest income against $555K; $7.1M total noninterest expense against $2.7M.
$802K provision for credit losses against $571K.
$6.7M net income against $2.4M.
2.00% return on assets against 1.68%; 4.09% net interest margin against 3.71%.
10.42% CET1 capital ratio against 10.68%; 8.62% tier 1 leverage ratio against 8.76%.
Inside the full FM Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFM Bank and Trust rankings
Its closest position to the top of a national ranking is 478 of 3,611, for ROA; its furthest is 2,050 of 2,134, for CET1 ratio.
Banks merged into FM Bank and Trust
- First Missouri State Bank, effective January 1, 2026
- First Missouri Bank of SEMO, effective January 1, 2026
- First Missouri State Bank of Cape County, effective January 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.68% (Q2 2025) to 3.21% (Q4 2024) and its net interest margin ran from 3.65% (Q1 2025) to 4.37% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.42% | 2.00% | 0.52% | 4.83% | 4.09% |
| Q1 2026 | 10.99% | 1.91% | 0.76% | 6.65% | 4.12% |
| Q4 2025 | 11.08% | 2.09% | 1.55% | 14.06% | 4.32% |
| Q3 2025 | 10.04% | 1.83% | 1.80% | 17.94% | 4.37% |
| Q2 2025 | 10.68% | 1.68% | 2.25% | 21.30% | 3.71% |
| Q1 2025 | 11.10% | 1.74% | 1.13% | 10.41% | 3.65% |
| Q4 2024 | 10.66% | 3.21% | 0.53% | 4.85% | 4.07% |
| Q3 2024 | 10.88% | 2.54% | 0.48% | 4.06% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| FM Bank and Trust (main office) | Blytheville , AR | 72315 | $430.9M |
| Poplar Bluff Branch | Poplar Bluff , MO | 63901 | $246.3M |
| Cape Branch | Cape Girardeau , MO | 63703 | $166.3M |
| Piggott Branch | Piggott , AR | 72454 | $112.5M |
| Kennett Branch | Kennett , MO | 63857 | $73.7M |
| Malden Branch | Malden , MO | 63863 | $55.3M |
| Dexter Branch | Dexter , MO | 63841 | $32.0M |
| Manila Branch | Manila , AR | 72442 | $23.3M |
| Wilson Branch | Wilson , AR | 72395 | $20.3M |
| Jackson Branch | Jackson , MO | 63755 | $14.3M |
| Rector Branch | Rector , AR | 72461 | $13.1M |
| Cape Rock Branch | Cape Girardeau , MO | 63701 | $10.1M |
| Leachville Branch | Leachville , AR | 72438 | $5.9M |
| Blytheville Branch | Blytheville , AR | 72315 | $0 |
| Gosnell Branch | Gosnell , AR | 72315 | $0 |
| Drive-In Branch | Piggott , AR | 72454 | $0 |
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 |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired First Missouri State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2025 | Structure Change | Acquired Piggott State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 27, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, FARMERS BANCORP INC., not the bank itself
- November 26, 1991, Federal Reserve: Cease and Desist Order: Farmers Bank and Trust Company and Farmers Bancorp, Inc., Blytheville, AR
- Period: Most recent institution action November 26, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in AR, rank 36 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $243K approved, $243K 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
- Mortgage lending (HMDA), 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 FM Bank and Trust
What are FM Bank and Trust's total assets?
As of the Q2 2026 filing, FM Bank and Trust reported total assets of $1.36 billion in its FFIEC call report.
Where is FM Bank and Trust headquartered?
It is headquartered in Blytheville, AR, United States.
When was FM Bank and Trust founded?
It was established in 1908, per the FDIC institution directory.
Is FM Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1027). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FM Bank and Trust?
FM Bank and Trust's primary federal regulator is the Federal Reserve.
What is FM Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.42% in its Q2 2026 call report, above regulatory requirements.
How many branches does FM Bank and Trust operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FM Bank and Trust's Texas Ratio?
Its Texas Ratio is 4.83% 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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