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FBT Bank & Mortgage

Fordyce, AR · Cert 1028 · FBT Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$263.6MAssets
$158.2MLoans
$222.1MDeposits
$17.4MEquity
Loan mix
69%RE $105.0M23%C&I $34.5M8%Consumer $12.0MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $163.6M26%Noninterest $58.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.10%, up 24 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.69% of loans (-16 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 10.39%, up 56 bps from a year ago.
  • Funding: loans stand at 71.20% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.10%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+31 bps YoY

Efficiency Ratio (YTD, annualized)

71.33%-364 bps YoY

Tier 1 Leverage Ratio

10.39%+56 bps YoY

NIM

5.36%Q2 ’245.72%Q2 ’255.65%Q2 ’26+10%+8%

Non-interest income vs. expense

2.99%Q2 ’243.25%Q2 ’253.31%Q2 ’26+12%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.56%0.88%0.86%0.90%0.62%1.17%1.10%+24 bps
Return on Equity16.55%10.56%17.06%16.69%16.57%10.84%17.72%16.70%+2 bps
Net Interest Margin3.29%3.32%3.49%3.67%3.72%3.75%4.17%3.98%+31 bps
Efficiency Ratio72.12%80.94%73.70%74.98%74.66%79.91%70.44%71.33%-364 bps
Non-Interest Burden2.14%2.52%2.41%2.58%2.61%2.84%2.72%2.64%+6 bps
Growth
Asset Growth (YoY)3.71%3.02%0.60%0.82%1.37%-2.47%-0.95%2.91%+209 bps
Loan Growth (YoY)11.27%9.55%5.95%5.89%2.57%2.46%4.06%5.60%-29 bps
Deposit Growth (YoY)3.25%5.10%3.86%0.94%-2.05%-2.13%-7.46%-0.51%-145 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.56%0.48%0.86%0.91%0.95%0.99%0.69%-16 bps
Net Charge-Offs / Loans0.00%0.01%-0.06%0.02%0.04%0.03%0.35%0.34%+33 bps
Allowance / Loans1.58%1.52%1.53%1.50%1.49%1.59%1.47%1.36%-14 bps
Allowance Coverage of NPLs2.4x2.7x3.2x1.8x1.6x1.7x1.5x2.0x+0.2x
Capital
Tier 1 Leverage Ratio9.53%9.37%9.31%9.83%9.98%10.13%10.57%10.39%+56 bps
Total Risk-Based Capital9.53%9.37%9.31%9.83%9.98%10.13%10.57%10.39%+56 bps
Equity / Assets5.90%5.11%5.16%5.21%6.16%6.78%6.44%6.61%+140 bps
Liquidity & Funding
Loans / Deposits65.35%67.09%65.93%67.08%68.43%70.23%74.14%71.20%+412 bps
Liquid Assets / Assets21.66%20.70%20.28%17.40%16.31%17.12%16.18%17.02%-38 bps
CRE / Total Capitaln/an/an/an/a181.56%174.63%189.72%n/an/a