Fm Bank And Trust
Blytheville, Arkansas, Mississippi County
$1.4B in total assets, the 827th largest of 4,309 US banks and 18th of 78 headquartered in Arkansas.
- FDIC certificate
- 1027
- Established
- 1908
- Owned by
- Farmers Bcorp Inc
- Primary regulator
- FED
- Website
- www.myfm.bank
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 32% | $1.6B | |
| Loans | $1.1B | 32% | $1.4B | |
| Deposits | $1.2B | 32% | $1.5B | |
| Return on assets | 2.12% | 98% | 1.23% | |
| Net interest margin | 5.06% | 98% | 4.01% | |
| Efficiency ratio | 48.6% | 16% | 57.5% | |
| Equity to assets | 7.90% | 5% | 11.19% | |
| Loans to deposits | 93% | 68% | 88% |
Growth
Total assets grew 34.8% a year over the last 5 years and 10.9% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | First Missouri Bank of SEMO Kennett, MO | $211M |
| Jan 2026 | First Missouri State Bank Poplar Bluff, MO | $278M |
| Jan 2026 | First Missouri State Bank of Cape County Cape Girardeau, MO | $235M |
| Jan 2025 | Piggott State Bank Piggott, AR | $126M |
| Jan 2003 | First State Bank Franklin, TN | $284M |
Where they operate
16 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Mississippi County, AR | $480M | 57.5% | 1 of 6 |
| Butler County, MO | $246M | 14.2% | 3 of 9 |
| Cape Girardeau County, MO | $191M | 5.5% | 10 of 16 |
| Dunklin County, MO | $129M | 17.1% | 2 of 7 |
| Clay County, AR | $126M | 31.6% | 2 of 4 |
| Stoddard County, MO | $32M | 2.8% | 9 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (8 to 16, +100.0%). 1 opened, 11 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2016 | Opened WilsonClosed Blytheville | 1 | 1 | 0 | 8 |
| 2018 | Sold 1 branch to Fourth Capital Bank | 0 | 1 | −1 | 7 |
| 2019 | Sold 1 branch to Fourth Capital Bank | 0 | 1 | −1 | 6 |
| 2025 | Acquired Piggott State BankClosed Blytheville | 3 | 1 | +2 | 8 |
| 2026 through Q2 | Acquired 3 banks | 8 | 0 | +8 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 30% | 22% | |
| Commercial real estate | 18% | 30% | |
| Farmland | 16% | 10% | |
| Business (C&I) | 12% | 14% | |
| Agricultural | 12% | 2% | |
| Construction and land | 7% | 13% | |
| Multifamily | 3% | 5% | |
| Consumer | 3% | 2% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 34% | |
| Other interest-bearing | 38% | 48% | |
| Noninterest-bearing | 15% | 18% |
Brokered deposits are 10.3% of deposits (peers 6.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.52% | 0.39% |
| Net charge-offs, annualized | 0.10% | 0.08% |
| Reserves to loans | 1.52% | 1.27% |
| Leverage ratio | 8.62% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Mississippi County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/fm-bank-trust-blytheville-ar