# FM BANK&TRUST
BLYTHEVILLE, AR · FDIC certificate 1027 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.36B | |
| Deposits | $1.20B | |
| Loans and leases | $1.12B | |
| Total equity | $107.8M | |
| Loans / deposits | 91.86% (p66 of band) | 87.10% |
| Liquid assets / assets | 13.59% (p16 of band) | |
| Uninsured deposits / deposits | 26.25% (p33 of band) | 30.76% |
| Brokered deposits | 9.10% | |
| Wholesale funding | 12.11% (p71 of band) | |
| FHLB advances / assets | 3.01% | |
| Tier 1 leverage | 8.62% (p7 of band) | 10.50% |
| Unrealized securities loss / equity | -6.34% (p56 of band) | -7.75% |
| AOCI / equity | -0.24% (p54 of band) | |
| ROA (annualized) | 2.37% (p95 of band) | 1.26% |
| Net interest margin | 5.06% (p95 of band) | 3.70% |
| Efficiency ratio | 48.62% (p20 of band) | |
| Noncurrent loans | 0.52% (p51 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 292.05% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 68.56% (p71 of band) | |
| Auto loans | $19.4M (1.73% of loans; DQ 2.35%, NCO 0.01%) | |
| Loans to nondepository financials | $3.2M (3% of equity) (p80 of band) | |
| Deposits YoY | 136.2% | |
| Employees | 158 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | liquid assets <10%, capital falling |  |
| 2011-12 | 2 | charge-offs p90 | liquid assets <10%, capital falling |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 | liquid assets <10% | capital falling |
| 2012-12 | 1 |  | liquid assets <10% |
| 2013-03 | 2 | losing money |  |
| 2013-06 | 1 |  | losing money |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | liquid assets <10% |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | liquid assets <10% |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 2 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | capital falling | loans exceed deposits |
| 2016-03 | 0 |  | liquid assets <10%, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, reserve under noncurrent |  |
| 2016-12 | 0 |  | capital falling, reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2018-09 | 4 |  | liquid assets <10% |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, loans exceed deposits |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 1 | capital falling | uninsured deposits leaving |
| 2022-06 | 1 | charge-offs p90 | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 1 | brokered >10% |  |
| 2023-09 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2023-12 | 0 |  | brokered >10%, wholesale funding >15%, charge-offs p90 |
| 2024-03 | 2 | brokered >10%, capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | brokered >10%, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1027 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "1027", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide