Farmers Bank & Trust Company
Farmers Bank & Trust Company reported total assets of $3.2 bn at Q2 2026, up 5.9% on a year earlier. Farmers Bank & Trust Company uses the community bank leverage ratio framework, with a leverage ratio of 9.87%, and the uninsured share of Farmers Bank & Trust Company was 29.39%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Farmers Bank & Trust Company climbed from 498th to 323rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Farmers Bank & Trust Company has taken over one institution; the latest was Bank of Prescott on (FDIC Call Reports).
What sets Farmers Bank & Trust Company apart
How large is Farmers Bank & Trust Company?
The balance sheet of Farmers Bank & Trust Company at : assets $3.2 bn, deposits $2.7 bn, net loans $2.4 bn (loans equal to 88.25% of deposits). Securities make up 15.4% of total assets at Farmers Bank & Trust Company. Since , when Farmers Bank & Trust Company held $1.3 bn, its assets grew 149.9%. In the year to , deposits at Farmers Bank & Trust Company rose 0.1% while its total assets rose 5.9%. At , Farmers Bank & Trust Company employed 410 full-time equivalent staff across 38 offices, about $7.7 mn of assets per employee and $71.4 mn of deposits per office.
How much funding at Farmers Bank & Trust Company is uninsured?
At Farmers Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 29.39% of domestic deposits at (+19.43 pp on a year earlier); Farmers Bank & Trust Company ranks 323rd of 500 on this measure. In dollars, Farmers Bank & Trust Company estimated $797.2 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | +0.1% | 387th of 499 |
| Net loans and leases | $2.4 bn | +6.9% | 385th of 500 |
| Loan-to-deposit ratio | 88.25% | +5.60 pp | 227th of 500 |
| Net interest margin | 4.09% | +0.26 pp | 120th of 500 |
| Return on assets (ROA) | 1.44% | +0.08 pp | 176th of 500 |
| Efficiency ratio | 57.94% | +0.32 pp | 290th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $76.9 mn | Narrowed by $19.1 mn | |
| Noncurrent loans to total loans | 1.32% | +0.73 pp | 406th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.19% | +0.12 pp | 336th of 500 (1 = lowest) |
US rank of Farmers Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Farmers Bank & Trust Company: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.7bn
- Net loans $2.4bn
Capital and securities
Farmers Bank & Trust Company uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 9.87% in . Equity capital of Farmers Bank & Trust Company at : $289.3 mn, or 9.2% of total assets.
The available-for-sale portfolio of Farmers Bank & Trust Company showed an unrealized loss of $76.9 mn at ; the loss narrowed by $19.1 mn over the year.
Farmers Bank & Trust Company: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.9%
Farmers Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$77mn
- Held to maturity $0
Profitability and loan quality
For the year to , Farmers Bank & Trust Company earned a return on equity of 15.94%; return on assets: 1.44%. Net interest margin at Farmers Bank & Trust Company: 4.09%, +0.26 pp in a year. Farmers Bank & Trust Company net income: $22.5 mn, up 11.3% year on year. The efficiency ratio of Farmers Bank & Trust Company was 57.94%: about 58 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 1.32% of total loans at Farmers Bank & Trust Company; net charge-offs: 0.19% of average loans. Gross loans and leases at Farmers Bank & Trust Company: $2.4 bn, up 6.6% in a year.
Farmers Bank & Trust Company: profitability
- Return on equity 16%
- Net interest margin 4.1%
- Return on assets 1.4%
Peer group of Farmers Bank & Trust Company
The peer group of Farmers Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Farmers Bank & Trust Company (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Arkansas. Against them, Farmers Bank & Trust Company shows return on equity 15.94% against a peer median of 11.29% and uninsured deposit share 29.39% against a peer median of 30.30%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First National Bank | National bank | ME | $3.2 bn | 13.05% | 14.86% | 17.20% | |
| 1st Security Bank of Washington | State-chartered stock savings bank | WA | $3.2 bn | 12.84% | 9.81% | 29.18% | |
| Monet Bank | State nonmember bank | TX | $3.2 bn | 135.52% | 12.77% | 80.17% | |
| Farmers Bank & Trust Company | State member bank | AR | $3.2 bn | not reported | 15.94% | 29.39% | |
| Centreville Bank | State-chartered stock savings bank | RI | $3.2 bn | not reported | 9.50% | 17.59% | |
| Citizens & Northern Bank | State member bank | PA | $3.1 bn | 12.85% | 8.61% | 31.42% | |
| Amboy Bank | State member bank | NJ | $3.1 bn | 14.75% | 21.96% | 53.18% | |
. FDIC Call Reports.
Last eight quarters
Two years at Farmers Bank & Trust Company, to : assets +7.9%, deposits +6.3%, equity +23.9%. Staff 392 to 410; offices 37 to 38.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.2 bn |
| Total deposits | $2.6 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.7 bn |
| Bank equity capital | $233.5 mn | $226.4 mn | $238.3 mn | $248.7 mn | $263.8 mn | $274.5 mn | $281.6 mn | $289.3 mn |
| CET1 ratio | 10.67% | 10.67% | 11.04% | 11.36% | 11.56% | 11.70% | 11.86% | not reported |
| Return on equity (ROE) | 13.81% | 14.37% | 16.87% | 16.97% | 17.01% | 16.29% | 15.78% | 15.94% |
| Uninsured share of domestic deposits | 17.35% | 30.19% | 10.38% | 9.96% | 10.05% | 31.33% | 29.39% | 29.39% |
| Full-time equivalent employees | 392 | 389 | 394 | 406 | 404 | 408 | 394 | 410 |
| Number of offices | 37 | 37 | 37 | 37 | 38 | 38 | 38 | 38 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Farmers Bank & Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of Prescott (FDIC certificate 101).
Questions and identifiers
What were the total assets of Farmers Bank & Trust Company?
Farmers Bank & Trust Company reported $3.2 bn at in its Call Report. That makes Farmers Bank & Trust Company the 403rd largest of 497 banks in our US coverage.
Is Farmers Bank & Trust Company the same as its holding company?
No. This page covers Farmers Bank & Trust Company, FDIC certificate 1291; MAGNOLIA BANKING CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Farmers Bank & Trust Company profitable?
Farmers Bank & Trust Company reported net income of $22.5 mn for the year to ; annualized return on equity: 15.94%. So yes: Farmers Bank & Trust Company made a profit over these months.
When is data for Farmers Bank & Trust Company next updated?
Figures from Farmers Bank & Trust Company for are due after .
Where can I check the figures for Farmers Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 1291, and in the Call Reports of Farmers Bank & Trust Company (RSSD ID 12946) at the FFIEC Central Data Repository.