Fbt Bank&Mortgage (FDIC #1028): Bank Stress & Real-Estate Credit Exposure
Fbt Bank&Mortgage (FDIC Cert #1028): bank stress 73/100, elevated, STABLE over 7 days; parent FBT BANCSHARES INC.
Fbt Bank&Mortgage (#1028) lends in 3 counties across 1 state; Fbt Bank&Mortgage (#1028) reaches 30 ZIP codes: Arkansas 3 counties, 30 ZIPs.
Fbt Bank&Mortgage (#1028) largest markets: Jefferson County, AR (38 branches, 19 ZIPs) (#1028), Cleveland County, AR (7 branches, 7 ZIPs) (#1028), Dallas County, AR (14 branches, 7 ZIPs) (#1028).
Fbt Bank&Mortgage (#1028) reports $263.6 million in total assets; Fbt Bank&Mortgage (#1028) equity $17.4 million (6.6% of Fbt Bank&Mortgage (#1028) assets); Fbt Bank&Mortgage (#1028) domestic deposits $222.1 million; Fbt Bank&Mortgage (#1028) net income $1.8 million; Fbt Bank&Mortgage (#1028) return on assets 1.41%; Fbt Bank&Mortgage (#1028) return on equity 21.28%; Fbt Bank&Mortgage (#1028) net interest income $5.3 million; Fbt Bank&Mortgage (#1028) call report June 30, 2026.
Fbt Bank&Mortgage (#1028) noncurrent real-estate loans 0.12% of its book; Fbt Bank&Mortgage (#1028) residential -0.01%; Fbt Bank&Mortgage (#1028) net charge-offs on real estate 0.70%; Fbt Bank&Mortgage (#1028) multifamily charge-offs 8.02%; Fbt Bank&Mortgage (#1028) residential charge-offs 0.76%.
Fbt Bank&Mortgage (#1028) net interest margin 4.41% against an eight-quarter Fbt Bank&Mortgage (#1028) average of 4.04% (Fbt Bank&Mortgage (#1028) compression -0.37 points); Fbt Bank&Mortgage (#1028) real-estate loans 11.6% of equity; Fbt Bank&Mortgage (#1028) non-residential real estate 76.4% of equity; Fbt Bank&Mortgage (#1028) rate-exposure score 40/100, Fbt Bank&Mortgage (#1028) fixed-rate trap 40/100; Fbt Bank&Mortgage (#1028) risk type credit driven; Fbt Bank&Mortgage (#1028) rate regime rates elevated, Fbt Bank&Mortgage (#1028) snapshot October 19, 2026.
Fbt Bank&Mortgage (#1028) stress score moved from 70.8 on June 22, 2026 to 73.1 on October 20, 2026; Fbt Bank&Mortgage (#1028) ranged 70.8 to 73.1 over 117 snapshots.
Fbt Bank&Mortgage (#1028) alerts: 3 counties; top Fbt Bank&Mortgage (#1028) alert scores: Fordyce County, AR 25 (low); Rison County, AR 25 (low); White Hall County, AR 25 (low).