BlastPoint's Banking Scorecard
Fm Bank And Trust
Community
Specialty: Agricultural
AR
FDIC cert 1027
Blytheville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Fm Bank And Trust has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.80% above tier
- + Efficiency Ratio 16.35% below tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.3M
+36.4% YoY
+0.7% QoQ
|
-$805.1M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$459.3M
+35.8% YoY
-4.5% QoQ
|
-$516.1M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$534.3M
+36.6% YoY
+4.0% QoQ
|
-$630.3M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.96%
-26.7% YoY
+4.3% QoQ
|
+0.80% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.28%
+3.0% YoY
+2.5% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
46.28%
+12.9% YoY
+0.9% QoQ
|
-16.35% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.57%
+188.8% YoY
-14.3% QoQ
|
+0.94% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
85.98%
-0.6% YoY
-8.2% QoQ
|
+2.92% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
17.65%
+363.9% YoY
+150.7% QoQ
|
-3.39% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.25%
+159.0% YoY
-18.3% QoQ
|
+0.75% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
11.08%
+3.9% YoY
+10.4% QoQ
|
+0.83% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.39%
-49.1% YoY
+36.9% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.96%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.28%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Cost Spiral
risk
#8 of 40 · Bottom 18% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
46.28%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Efficiency Ratio
Current: 46.28% · Tier avg: 62.63%
90
90th pctile
Return on Assets
Current: 1.96% · Tier avg: 1.16%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.98% · Tier avg: 83.06%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.08% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.65% · Tier avg: 21.05%
35
35th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
24
24th pctile
Total Loans
Current: $459.3M · Tier avg: $975.5M
18
18th pctile
Total Deposits
Current: $534.3M · Tier avg: $1.2B
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.50%
12
12th pctile
Total Assets
Current: $586.3M · Tier avg: $1.4B
Top Weaknesses
12
12th pctile
Total Assets
Current: $586.3M · Tier avg: $1.4B
14
14th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
18
18th pctile
Total Deposits
Current: $534.3M · Tier avg: $1.2B
24
24th pctile
Total Loans
Current: $459.3M · Tier avg: $975.5M
35
35th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.65% · Tier avg: 21.05%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.08% · Tier avg: 10.24%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.98% · Tier avg: 83.06%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
90
90th pctile
Return on Assets
Current: 1.96% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.28% · Tier avg: 62.63%