FM Bank and Trust: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 66.88 percentage points higher than in Q1 2026, at 243.62%. FM Bank and Trust ranks 10th of 78 Arkansas banks on return on assets, in the upper half at 2.00% (Q2 2026). FM Bank and Trust's return on assets of 2.00% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.42% |
| Tier 1 risk-based capital ratio | 10.42% |
| Total risk-based capital ratio | 11.67% |
| Tier 1 leverage ratio | 8.62% |
| Equity capital to assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 5.76% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 243.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 24.60% |
| Net interest margin | 4.09% |
| Efficiency ratio | 48.45% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.27% |
| Core deposits to total deposits | 73.74% |
| Brokered deposits to total deposits | 10.31% |
| Deposits to assets | 88.27% |
| Securities to assets | 3.66% |
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 | 11.94% | 11.94% | 13.19% | 10.24% | 5.65% |
| Q4 2023 | 12.30% | 12.30% | 13.56% | 9.43% | 2.58% |
| Q1 2024 | 11.48% | 11.48% | 12.74% | 9.10% | 2.44% |
| Q2 2024 | 11.09% | 11.09% | 12.35% | 9.00% | 2.40% |
| Q3 2024 | 10.88% | 10.88% | 12.14% | 9.29% | 2.54% |
| Q4 2024 | 10.66% | 10.66% | 11.92% | 8.49% | 3.21% |
| Q1 2025 | 11.10% | 11.10% | 12.36% | 8.63% | 1.74% |
| Q2 2025 | 10.68% | 10.68% | 11.93% | 8.76% | 1.68% |
| Q3 2025 | 10.04% | 10.04% | 11.29% | 8.46% | 1.83% |
| Q4 2025 | 11.08% | 11.08% | 12.33% | 8.64% | 2.09% |
| Q1 2026 | 10.99% | 10.99% | 12.24% | 8.96% | 1.91% |
| Q2 2026 | 10.42% | 10.42% | 11.67% | 8.62% | 2.00% |
FM Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FM Bank and Trust, 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 FM Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1027) · FFIEC NIC profile (RSSD 33147)