Total Assets
$586M
Total balance-sheet footings
FDIC Cert #1027 · Blytheville, Arkansas · Est. 1908
Fm Bank And Trust - FDIC Bank Health Profile
A community-scale look at Fm Bank And Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $586M
- Total assets
- A
- Health grade · Excellent
- 1.96%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
Fm Bank And Trust earns a PlainBankData health grade of A (84/100), with well-capitalized at 11.08% Tier 1, profitable at 1.96% ROA, efficient (46% cost ratio).
- #1,602
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 11.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Fm Bank And Trust's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Fm Bank And Trust's composite health score
Tier 1 Capital Ratio (11.08%) 28/40
Return on Assets (ROA) (1.96%) 25/25
Texas Ratio (13.84%) 16/20
Efficiency Ratio (46.28%) 15/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$534M
Customer-funded liabilities
Net Loans
$459M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Fm Bank And Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fm Bank And Trust's score of 84/100 falls in the highlighted band.
Fm Bank And Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fm Bank And Trust's $586M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.08%
Texas Ratio
13.84%
Equity Capital
$46M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.96%
Return on Equity (ROE)
25.38%
Efficiency Ratio
46.28%
What the numbers say about Fm Bank And Trust
Fm Bank And Trust is an FDIC-insured institution (Certificate #1027) headquartered in Blytheville, Arkansas, established in 1908. It holds $586M in total assets - 1,602nd of 4,313 FDIC-insured banks, $534M in customer deposits, and $459M in net loans. Capital-wise, the Tier 1 ratio sits at 11.08%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 13.84%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Fm Bank And Trust sits 34th of 78 banks headquartered in Arkansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$36M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Fm Bank And Trust reports a Texas Ratio of 13.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fm Bank And Trust (FDIC Cert #1027) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is Fm Bank And Trust's health grade?▼
Fm Bank And Trust receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Fm Bank And Trust?▼
Fm Bank And Trust holds $586M in total assets and $534M in deposits, ranking 1,602nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Blytheville, Arkansas.
Is my money safe at Fm Bank And Trust?▼
Yes, deposits at Fm Bank And Trust (Certificate #1027) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fm Bank And Trust's Tier 1 Capital Ratio?▼
Fm Bank And Trust has a Tier 1 Capital Ratio of 11.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Fm Bank And Trust?▼
Fm Bank And Trust has a Texas Ratio of 13.84%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fm Bank And Trust?▼
Fm Bank And Trust has an Efficiency Ratio of 46.28%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fm Bank And Trust's profile as a depositor or analyst.
- Fm Bank And Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fm Bank And Trust against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.