Farmers Bank & Trust Company
Headquarters
200 E Main St
Magnolia, AR 71753
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2026 Overview
General Bank Information
Farmers Bank & Trust Company is an FDIC insured institution located in Magnolia, AR. It was founded in 1906 and has approximately $3.16 billion in assets. Customers can open an account at one of its 26 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 1291 |
| Date Established | 1906 |
| Assets | $ 3.16 billion |
| Loans | $ 2.37 billion |
| Deposits | $ 2.84 billion |
| Capital | $ 281.65 million |
For a more detailed analysis of Farmers Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 24, 2026
Your Current Location: Arizona, AZ 85001
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Loan Rates - September 24, 2026
Your Current Location: Arizona, AZ 85001
There are currently no loan rates available for Farmers Bank & Trust Company
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Arizona 30 Year Fixed Mortgage Rates 2026
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Branches
Farmers Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Phoenix,Arizona
Farmers Bank & Trust Company Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 936.27 | A | View Lobby Hours | |
| 952.75 | B | View Lobby Hours | |
| 954.25 | C | View Lobby Hours | |
| 956.38 | D | View Lobby Hours | |
| 957.87 | E | View Lobby Hours | |
| 979.32 | F | View Lobby Hours | |
| 979.77 | G | View Lobby Hours | |
| 979.92 | H | View Lobby Hours | |
| 980.33 | I | View Lobby Hours | |
| 980.77 | J | View Lobby Hours | |
| 986.61 | K | View Lobby Hours | |
| 998.32 | L | View Lobby Hours | |
| 998.32 | M | View Lobby Hours | |
| 998.52 | N | View Lobby Hours | |
| 999.01 | O | View Lobby Hours | |
| 1018.76 | P | View Lobby Hours | |
| 1018.95 | Q | View Lobby Hours | |
| 1020.00 | R | View Lobby Hours | |
| 1022.09 | S | View Lobby Hours | |
| 1023.16 | T | View Lobby Hours | |
| 1024.79 | U | View Lobby Hours | |
| 1031.97 | V | View Lobby Hours |
Climate Policy and Initiatives
Farmers Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Farmers Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Farmers Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Farmers Bank & Trust Company | U.S. Bank Average |
|---|---|
| 8.8% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Farmers Bank & Trust Company had $27,809,000 in non-current loans and $145,000 in owned real estate. To cover these potential losses it had $281,646,000 in equity and $36,176,000 in loans loss reserves. That gives it a Texas Ratio of 8.8%.
Return on Equity
| Farmers Bank & Trust Company | U.S. Bank Average |
|---|---|
| 15.94% | 10.69% |
Farmers Bank & Trust Company has a Return on Equity of 15.94% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Farmers Bank & Trust Company | U.S. Bank Average |
|---|---|
| 8.91% | 11.75% |
Farmers Bank & Trust Company has a Capitalization of 8.91% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Farmers Bank & Trust Company Balance Sheet Analysis
As of March 31, 2026, Farmers Bank & Trust Company had assets of $3,159,678,000, loans of $2,367,470,000, and deposits of $2,835,352,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 77.29 million |
| Interest-bearing balances | $ 28.77 million |
| Total securities | $ 481.80 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.37 billion |
| Loan loss allowance | $ 36.18 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.15 million |
| Goodwill and other intangibles | $ 36.44 million |
| All other assets | $ 86.60 million |
| Total Assets | $ 2.86 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 2.84 billion |
| Interest-bearing deposits | $ 2.23 billion |
| Deposits held in domestic offices | $ 2.84 billion |
| % insured (estimated) | 70.63% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 18.18 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 23.64 million |
| Total Liabilities | $ 2.86 billion |
| Shareholders’ Equity | $ 297.90 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 43.52 million |
| Total Interest Expense | $ 15.01 million |
| Net interest income | $ 28.51 million |
| Provision for loan and lease losses | $ 0.75 million |
| Total non interest income | $ 6.32 million |
| Total non interest expense | $ 19.95 million |
| Pre-tax Net Operating Income | $ 19.10 million |
Bank Loan Profile?
The top three loan types in Farmers Bank & Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.
Compared to other banks, Farmers Bank & Trust Company’s loan portfolio does not show any specific loan specialty.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 13.39 | ✓ | ||
| Multifamily Mortgages |
1.48 | ✓ | ||
| Credit Card Loans | 0.09 | ✓ | ||
| Consumer Auto Loans | 0.44 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 7.29 | ✓ | ||
| Commercial Real Estate | 25.86 | ✓ | ||
| Commercial and Industrial Loans | 12.88 | ✓ | ||
| Farm Loans | 0.69 | ✓ | ||
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