FM Bank and Trust
Blytheville, AR · Cert 1027 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Farmers Bcorp Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
$1.4BAssets
$1.1BLoans
$1.2BDeposits
$107.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets operating regionally (rank 9 of 176).
- Widest gap: equity / assets trails 91% of banks $1B-$10B in assets operating regionally (rank 161 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.48%
Rank 50 of 176
Net Interest Margin
3.89%
Rank 48 of 176
Efficiency Ratio
48.62%
Rank 30 of 176
Equity / Assets
7.90%
Rank 161 of 176
Non-interest income vs. expense
Unfavorable gap of $22.5M · efficiency ratio beats 84% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.93% | 1.26% | 1.54% | Beats 72% | 50 / 176 | |
| Return on Equity | 18.73% | 9.26% | 11.89% | 14.46% | Beats 95% | 9 / 176 | |
| Net Interest Margin | 3.89% | 3.25% | 3.59% | 3.93% | Beats 73% | 48 / 176 | |
| Efficiency Ratio | 48.62% | 52.79% | 59.55% | 67.66% | Beats 84% | 30 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.30% | 0.64% | 1.32% | Beats 59% | 74 / 176 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 47% | 94 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 10.42% | 11.15% | 12.72% | 14.15% | Beats 12% | 155 / 176 | |
| Total Risk-Based Capital Ratio | 11.67% | 11.81% | 13.63% | 15.33% | Beats 22% | 137 / 176 | |
| Equity / Assets | 7.90% | 9.16% | 10.35% | 11.80% | Beats 9% | 161 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 93.27% | 80.94% | 89.73% | 97.21% | 64th pctl | 64 / 176 | |
| Loans / Assets | 82.33% | 69.25% | 75.12% | 80.82% | 81st pctl | 33 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |