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Farmers Bank & Trust Company

Magnolia, AR · Cert 1291 · Magnolia Banking Corp.

State charter, Fed member · FED · 38 branches

Q2 2026

$3.2BAssets
$2.4BLoans
$2.7BDeposits
$289.3MEquity
Loan mix
83%RE $2.0B15%C&I $0.4B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $2.1B22%Noninterest $0.6BQ2 2025Q2 2026

NIM

5.28%Q2 ’245.60%Q2 ’255.49%Q2 ’26+19%+6%

Non-interest income vs. expense

2.21%Q2 ’242.45%Q2 ’252.58%Q2 ’26+11%+7%

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 17.3% share · #1 of 19 inst. · $0.5B of $3.1B

72.7% Columbia
21.6% Bowie
19.4% Lamar
0.8% Collin

Executive Summary

  • Earnings: ROA of 1.44%, up 8 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 1.32% of loans (+73 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.87%, up 40 bps from a year ago.
  • Funding: loans stand at 89.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+20 bps YoY

Efficiency Ratio (YTD, annualized)

57.94%+32 bps YoY

Tier 1 Leverage Ratio

9.87%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.40%1.36%1.42%1.44%+8 bps
Return on Equity16.97%17.01%16.29%15.78%15.94%-103 bps
Net Interest Margin3.46%3.51%3.48%3.62%3.66%+20 bps
Efficiency Ratio57.62%56.50%58.03%56.68%57.94%+32 bps
Non-Interest Burden1.67%1.65%1.68%1.71%1.79%+12 bps
Growth
Asset Growth (YoY)2.67%2.72%3.70%5.58%5.87%+320 bps
Loan Growth (YoY)8.18%6.09%4.99%7.53%6.59%-158 bps
Deposit Growth (YoY)4.51%4.72%1.54%4.53%0.09%-441 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.57%1.09%1.16%1.32%+73 bps
Net Charge-Offs / Loans0.07%0.07%0.13%0.12%0.18%+12 bps
Allowance / Loans1.60%1.65%1.54%1.51%1.34%-26 bps
Allowance Coverage of NPLs2.7x2.9x1.4x1.3x1.0x-1.7x
Capital
Tier 1 Leverage Ratio9.47%9.61%9.75%9.88%9.87%+40 bps
Total Risk-Based Capital12.61%12.81%12.95%13.11%9.87%-274 bps
Equity / Assets8.33%8.77%9.00%8.96%9.15%+82 bps
Liquidity & Funding
Loans / Deposits83.99%85.99%85.90%84.77%89.45%+545 bps
Liquid Assets / Assets1.15%0.85%0.31%0.92%0.32%-83 bps
CRE / Total Capitaln/a451%462%459%n/an/a