FBT Bank & Mortgage
Fordyce, AR · Cert 1028 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FBT Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$263.6MAssets
$158.2MLoans
$222.1MDeposits
$17.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets operating in a single state (rank 95 of 746).
- Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 716 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.06%
Rank 371 of 746
Net Interest Margin
3.98%
Rank 255 of 746
Efficiency Ratio
71.33%
Rank 492 of 746
Equity / Assets
6.61%
Rank 716 of 746
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 50% | 371 / 746 | | |
| Return on Equity | 16.08% | 6.74% | 10.51% | 13.63% | Beats 87% | 95 / 746 | | |
| Net Interest Margin | 3.98% | 3.17% | 3.68% | 4.16% | Beats 66% | 255 / 746 | | |
| Efficiency Ratio | 71.33% | 55.74% | 64.58% | 75.47% | Beats 34% | 492 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.09% | 0.42% | 1.07% | Beats 38% | 463 / 743 | | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.05% | Beats 6% | 696 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.39% | 11.55% | 13.75% | 17.60% | Beats 13% | 652 / 746 | | |
| Total Risk-Based Capital Ratio | 10.39% | 11.71% | 14.33% | 18.43% | Beats 11% | 661 / 746 | | |
| Equity / Assets | 6.61% | 8.90% | 10.51% | 13.06% | Beats 4% | 716 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.20% | 61.31% | 78.27% | 90.78% | 37th pctl | 470 / 746 | | |
| Loans / Assets | 60.01% | 53.60% | 66.97% | 76.08% | 35th pctl | 485 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |