Fm Bank&Trust (FDIC #1027): Bank Stress & Real-Estate Credit Exposure
Fm Bank&Trust (FDIC Cert #1027): bank stress 51/100, moderate, STABLE over 7 days; parent FARMERS BCORP INC.
Fm Bank&Trust (#1027) lends in 6 counties across 2 states; Fm Bank&Trust (#1027) reaches 85 ZIP codes: Missouri 4 counties, 55 ZIPs; Arkansas 2 counties, 30 ZIPs.
Fm Bank&Trust (#1027) largest markets: Cape Girardeau County, MO (57 branches, 19 ZIPs) (#1027), Mississippi County, AR (102 branches, 17 ZIPs) (#1027), Dunklin County, MO (28 branches, 14 ZIPs) (#1027), Stoddard County, MO (14 branches, 14 ZIPs) (#1027), Clay County, AR (39 branches, 13 ZIPs) (#1027), Butler County, MO (11 branches, 11 ZIPs) (#1027).
Fm Bank&Trust (#1027) reports $1.36 billion in total assets; Fm Bank&Trust (#1027) equity $107.8 million (7.9% of Fm Bank&Trust (#1027) assets); Fm Bank&Trust (#1027) domestic deposits $1.20 billion; Fm Bank&Trust (#1027) net income $12.9 million; Fm Bank&Trust (#1027) return on assets 2.37%; Fm Bank&Trust (#1027) return on equity 29.32%; Fm Bank&Trust (#1027) net interest income $25.8 million; Fm Bank&Trust (#1027) call report June 30, 2026.
Fm Bank&Trust (#1027) noncurrent real-estate loans 0.02% of its book; Fm Bank&Trust (#1027) net charge-offs on real estate 0.41%; Fm Bank&Trust (#1027) residential charge-offs 0.50%.
Fm Bank&Trust (#1027) net interest margin 5.06% against an eight-quarter Fm Bank&Trust (#1027) average of 4.45% (Fm Bank&Trust (#1027) compression -0.61 points); Fm Bank&Trust (#1027) real-estate loans 1.7% of equity; Fm Bank&Trust (#1027) non-residential real estate 49.8% of equity; Fm Bank&Trust (#1027) rate-exposure score 40/100, Fm Bank&Trust (#1027) fixed-rate trap 40/100; Fm Bank&Trust (#1027) risk type credit driven; Fm Bank&Trust (#1027) rate regime rates elevated, Fm Bank&Trust (#1027) snapshot October 19, 2026.
Fm Bank&Trust (#1027) stress score moved from 44.4 on June 22, 2026 to 50.6 on October 19, 2026; Fm Bank&Trust (#1027) ranged 44.4 to 50.6 over 116 snapshots.
Fm Bank&Trust (#1027) alerts: 6 counties; top Fm Bank&Trust (#1027) alert scores: Jackson County, AR 45 (moderate); Dexter County, AR 20 (low); Malden County, AR 20 (low); Poplar Bluff County, AR 20 (low); Rector County, AR 20 (low).