Farmers Bank & Trust Company
Magnolia, AR · Cert 1291 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Magnolia Banking Corp.
State charter, Fed member · FED · 38 branches
Q2 2026
$3.2BAssets
$2.4BLoans
$2.7BDeposits
$289.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks $1B-$10B in assets operating regionally (rank 32 of 176).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets operating regionally (rank 167 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.42%
Rank 58 of 176
Net Interest Margin
3.66%
Rank 79 of 176
Efficiency Ratio
58.53%
Rank 81 of 176
Equity / Assets
9.15%
Rank 133 of 176
Non-interest income vs. expense
Unfavorable gap of $57.8M · efficiency ratio beats 55% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.93% | 1.26% | 1.54% | Beats 67% | 58 / 176 | | |
| Return on Equity | 15.53% | 9.26% | 11.89% | 14.46% | Beats 82% | 32 / 176 | | |
| Net Interest Margin | 3.66% | 3.25% | 3.59% | 3.93% | Beats 55% | 79 / 176 | | |
| Efficiency Ratio | 58.53% | 52.79% | 59.55% | 67.66% | Beats 55% | 81 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.30% | 0.64% | 1.32% | Beats 25% | 133 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 23% | 137 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 11.15% | 12.72% | 14.15% | Beats 6% | 166 / 176 | | |
| Total Risk-Based Capital Ratio | 9.87% | 11.81% | 13.63% | 15.33% | Beats 5% | 167 / 176 | | |
| Equity / Assets | 9.15% | 9.16% | 10.35% | 11.80% | Beats 24% | 133 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.45% | 80.94% | 89.73% | 97.21% | 48th pctl | 92 / 176 | | |
| Loans / Assets | 76.79% | 69.25% | 75.12% | 80.82% | 57th pctl | 76 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |