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Farmers Bank & Trust Company
Magnolia, AR·FDIC Cert #1291·Charter: STATE·Est. 19060101.0·HC: MAGNOLIA BANKING CORP
Total Assets
$3.1B
Q4 2025
Return on Assets
1.36%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.03%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%-0.03
ROE
16.29%-0.72
Efficiency
58.03%+1.53
Equity/Assets
0.00%+0.00
NPL Ratio
1.11%+0.53
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.58%+0.01
Charge-offs
0.14%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.1 | 1.3 | 1.4 | 1.4 | 1.4 |
| ROE | 12.9 | 13.5 | 13.8 | 14.4 | 16.9 | 17.0 | 17.0 | 16.3 |
| Efficiency | 63.3 | 61.2 | 59.6 | 57.6 | 56.1 | 57.6 | 56.5 | 58.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.4 | 0.5 | 0.5 | 0.6 | 0.6 | 1.1 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 80.4 | 80.0 | 83.6 | 81.8 | 81.1 | 82.6 | 84.6 | 84.6 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.7B
Total Loans$2.3B
Total Equity$274.5M
Profitability
ROA1.36%
ROE16.29%
Efficiency Ratio58.03%
Net Income$40.8M
Risk & Asset Quality
NPL Ratio1.11%
Charge-off Rate0.14%
Loan/Deposit84.58%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans