FBT Bank & Mortgage

Headquarters

200 West Fourth Street
Fordyce, AR 71742
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.25% →
1-Year CD 0.35% 0.95% →
2-Year CD 0.60% 1.05% →
5-Year CD 1.50% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

FBT Bank & Mortgage is an FDIC insured institution located in Fordyce, AR. It was founded in 1931 and has approximately $0.18 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 1028
Date Established 1931
Assets $ 175.17 million
Loans $ 98.54 million
Deposits $ 135.86 million
Capital $ 17.64 million
 

For a more detailed analysis of FBT Bank & Mortgage's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 29, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
Special: 15 Mo CD
0.40% $2,500 - Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
1.25% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More
60 Mo CD
1.50% $10,000 $14,999 Learn More
60 Mo CD
1.50% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 15 Mo FIRA
0.40% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 29, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for FBT Bank & Mortgage

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.817% 2.750% 0.50 $2,188 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,110 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to FBT Bank & Mortgage
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

FBT Bank & Mortgage 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:
Seattle,Washington


FBT Bank & Mortgage Locations


Financial Details

FBT Bank & Mortgage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FBT Bank & Mortgage. 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
FBT Bank & Mortgage U.S. Bank Average
20% 6.94%

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 March 31, 2020, FBT Bank & Mortgage had $3,792,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,638,000 in equity and $1,325,000 in loans loss reserves. That gives it a Texas Ratio of 20%.

Return on Equity
FBT Bank & Mortgage U.S. Bank Average
26.98% 7.80%

FBT Bank & Mortgage has a Return on Equity of 26.98% versus the BestCashCow average of 7.80%. 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
FBT Bank & Mortgage U.S. Bank Average
10.07% 12.68%

FBT Bank & Mortgage has a Capitalization of 10.07% versus the BestCashCow average of 12.68. 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.

FBT Bank & Mortgage Balance Sheet Analysis

As of March 31, 2020, FBT Bank & Mortgage had assets of $175,169,000, loans of $98,538,000, and deposits of $135,857,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 22.00 million
Interest-bearing balances $ 14.81 million
Total securities $ 46.85 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 98.54 million
Loan loss allowance $ 1.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 5.46 million
     Total Assets $ 157.53 million
LIABILITIES
Total deposits $ 135.86 million
      Interest-bearing deposits $ 93.96 million
      Deposits held in domestic offices $ 135.86 million
      % insured (estimated) 90.01%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 21.25 million
Subordinated debt N.A.
All other liabilities $ 0.42 million
      Total Liabilities $ 157.53 million
      Shareholders’ Equity $ 17.64 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.96 million
Total Interest Expense $ 0.34 million
Net interest income $ 1.63 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.03 million
Total non interest expense $ 1.46 million
Pre-tax Net Operating Income $ 1.20 million

Bank Loan Profile?

The top three loan types in FBT Bank & Mortgage’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, FBT Bank & Mortgage’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 35.70
Multifamily
Mortgages
2.93
Credit Card Loans 0.00
Consumer Auto Loans 4.32
Small Business Loans 0.00
Construction and Development Loans 2.62
Commercial Real Estate 15.94
Commercial and Industrial Loans 19.06
Farm Loans 0.07

Frequently Asked Questions About Fbt Bank & Mortgage

Branches and Savings

Is Fbt Bank & Mortgage FDIC insured?

Yes. It is covered under FDIC Certificate #1028.

Why does Fbt Bank & Mortgage pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Fbt Bank & Mortgage CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Fbt Bank & Mortgage a commercial bank?

Yes

Where are Fbt Bank & Mortgage locations?

See branch locations nearby.

Is Fbt Bank & Mortgage open on Saturdays?

Is Fbt Bank & Mortgage open on Sundays?

What time does Fbt Bank & Mortgage open?

What time does Fbt Bank & Mortgage close?

Are Fbt Bank & Mortgage ATMs Open 24/7?

Do Fbt Bank & Mortgage ATMs accept cash deposits?

Can Fbt Bank & Mortgage customers use other ATMs?

Do Fbt Bank & Mortgage branches have notaries?

Will Fbt Bank & Mortgage notarize my document?

What address for Fbt Bank & Mortgage should I put for incoming ACH transfers?

Will the Fbt Bank & Mortgage branch print checks?

Do Fbt Bank & Mortgage checks expire?

Does Fbt Bank & Mortgage require US citizenship to open account?

Can Fbt Bank & Mortgage close my account?

Does Fbt Bank & Mortgage Report to credit bureaus?

Does Fbt Bank & Mortgage Use Equifax?

What is Fbt Bank & Mortgage's ACH Routing Number?

What is Fbt Bank & Mortgage's SWIFT code?

Products

Does Fbt Bank & Mortgage offer mortgages?

Compare mortgage rates here.

Does Fbt Bank & Mortgage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fbt Bank & Mortgage offer personal loans?

Compare personal loan rates here.

Does Fbt Bank & Mortgage offer student loans?

Will Fbt Bank & Mortgage cash a check?

Will Fbt Bank & Mortgage redeem a savings bond?

Does Fbt Bank & Mortgage cash savings bonds?

Will Fbt Bank & Mortgage cash money orders?

Can Fbt Bank & Mortgage issue a money order?

Does Fbt Bank & Mortgage do currency exchange?

Background on The Bank

Who owns Fbt Bank & Mortgage?

How long has Fbt Bank & Mortgage been around?

Can Fbt Bank & Mortgage transfer to other banks?

Does Fbt Bank & Mortgage have quick pay?

Does Fbt Bank & Mortgage accept rolled coins?

Will Fbt Bank & Mortgage accept loose change?

Where is Fbt Bank & Mortgage headquarters?

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