# FARMERS BANK
HAMBURG, AR · FDIC certificate 15810 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $42.7M | |
| Deposits | $38.2M | |
| Loans and leases | $9.6M | |
| Total equity | $4.5M | |
| Loans / deposits | 24.71% (p4 of band) | 73.48% |
| Liquid assets / assets | 75.43% (p97 of band) | |
| Uninsured deposits / deposits | 20.17% (p72 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.76% (p63 of band) | 10.87% |
| Unrealized securities loss / equity | -6.63% (p5 of band) | -0.29% |
| AOCI / equity | -0.74% (p1 of band) | |
| ROA (annualized) | -0.20% (p4 of band) | 0.83% |
| Net interest margin | 2.10% (p3 of band) | 3.63% |
| Efficiency ratio | 109.05% (p97 of band) | |
| Noncurrent loans | 0.39% (p40 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 523.68% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 14.79% (p48 of band) | |
| Auto loans | $449,000 (4.66% of loans; DQ 15.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-09 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling, NIM <2.5% | losing money, expense ratio p90 |
| 2012-06 | 0 |  | capital falling, NIM <2.5% |
| 2012-09 | 2 | expense ratio p90, NIM <2.5% |  |
| 2012-12 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 5 | capital falling, losing money | uninsured deposits leaving |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 | assets shrinking | reserve under noncurrent, capital falling |
| 2013-12 | 1 |  | NIM <2.5%, losing money, assets shrinking |
| 2014-03 | 1 | capital falling | expense ratio p90 |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 3 | NIM <2.5% |  |
| 2014-12 | 1 |  | capital falling, NIM <2.5% |
| 2015-03 | 2 | NIM <2.5% |  |
| 2015-06 | 4 | losing money, reserve under noncurrent |  |
| 2015-09 | 3 |  | reserve under noncurrent |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | NIM <2.5%, losing money |
| 2016-06 | 3 | losing money, NIM <2.5% |  |
| 2016-09 | 4 | uninsured deposits leaving |  |
| 2016-12 | 3 |  | uninsured deposits leaving |
| 2017-03 | 3 |  |  |

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

- 2026-08-24 [Author and Fox News contributor delivers annual Farmers Bank & Trust lecture - Southern Arkansas University](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcDFEREtreXhlcVZDS1hxYl9wWkdscDBPTlhuMjNac2ptbW1LeEtqbDVnMWZVTnhmYXB2S0pwZUdiaFI4TnJWY21uM3dEWHItVjQ3MFB6RUFqa2p5amZINFBhdmF3azY5bEtIT1JkMzNaUnJUWXFGSktYS1FmNmZucGI0QURuV1ppN2J0anpZYW41WGNrZUtqblFjeXpsM0otUHBPOEJsTzlWTTBH?oc=5) · Southern Arkansas University
- 2026-06-01 [Farmers Bank & Trust Is Moving Its Corporate Headquarters to Little Rock - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMXItVW1MWjhsV3IzcEh4V01UcG9yOE1FeUttbVV0a05DSUFOMjhJaVNuSG93alBrWkoyaWRod1RralZ6XzRrRlB3X2RzQmc4OWw5VXFxVFh4MzIxS3Raa0xkNDV3M3BZZVZhMmtmb003dkFOMEtHVHd4SGZKSVJwa0YwZ1h1OEU5dmM4SDR5cTVhWUF1UUg3SnBWV2xUQnk1cDg2OQ?oc=5) · Arkansas Business
- 2026-06-28 [Farmers Bank & Trust welcomes Chad Rawls as chief banking officer - theparisnews.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNUHc1cEhKdGlzMWFrbGMzZG54RFhEN0NsMThqMWJOZVJ4bnJWU0otb1ctUnhITnJRNlZVOFVsS3R4NWVIbVA3VFRVMEJoUk8wVkUwcE5CdWlycGV3XzJOVUNVSmVaRkNOVU5hSGUyNHF5d3QtNjV6dkZRSzBwVEZiVWxlYVZpcVlONDRNdUNraDRXMGZoWDRDdFV2UHRzTmpHbzNpU2R0MUZKSVNoNkRjWEY3SUMyd2licVA5TWJCTWlpdmM1MnQxMkJva01qMjV4YjlpanhRSU5mWjg?oc=5) · theparisnews.com
- 2026-06-25 [Farmers Bank & Trust welcomes Chad Rawls as Chief Banking Officer - Texarkana Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxORzlqcUIzZDhPY1RWTXRac3hRSUVVU0hmSFNnNV92TEdqQXRySHk3YW93R0xrdjVUWWxraFV2N2o3SFVKLWExSWVjbXd2N0VCWGN4cnFqcUZVckhIRUExcy1mMFZOb3JsY3F1YzkzbjFMUVg1V2JmbGNoTlNkajdtNDFOX29CaHhER2FSYmRDWE1VQ29S?oc=5) · Texarkana Today
- 2026-07-18 [Ozzie Smith inspires at SAU’s 20th Annual Farmers Bank & Trust Distinguished Speaker Series - Southern Arkansas University](https://news.google.com/rss/articles/CBMivwFBVV95cUxOQVNtbk1qaW43dnJMcmMwdnhrX0h0dk9sSXlYcXl1TjNIWFFkZXFUWWx6cEE4SzVnc1ZEWmhUR1hVUHVYOXN5T29qcGlGUWN3TGJaemI4alBWakZVaFA0RzNNTFRoS3Y3Y0ROR2t0dWdKblM1VDNTSEJROXZIeUJ1NWlLWWc0Wk0tSVdfMEV5SFJJa1pXRjdOMnkwekF3S1NoY2pYR2s2aUg2X09ETlE5cGpmMy1fMVNpVkkzVzkwWQ?oc=5) · Southern Arkansas University
- 2026-06-01 [Farmers Bank & Trust opens satellite corporate office in Little Rock - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxNYnQ5QUJOb28yVUNqRUQ2Tm4yZW40QTEtOGdpRGU2dGM4S18zcmZwTjc2MVpjbFhzX2VxS085ekg5YkV5LXBwcDQzT2ZIb0xxOHByV1V0SXBSUjR0LTdHbmhBbUtpQlRXOHVZaDZnY3pGQXhQaE5MeXdoQmtjMHY1Vk8yVVRjOS1RcVQ5eV81RWJEQmdzSUxpclRFU0dCcmRlZlFUeHlYSEotbk5Ha2l3UVRFWFB6UQ?oc=5) · Magnolia Reporter
- 2026-01-07 [Merchants & Farmers Bank adds three Saline County residents to the team - MySaline](https://news.google.com/rss/articles/CBMiT0FVX3lxTFAyMHRaN18xRGNVX0xlbXhqNmw0eTVPR0FoenhFQ3hFNVNZTWltQlptZHRQNTdBN3k2aUotWHp6RE1CSWxXUnA1bTVJQTdOdk0?oc=5) · MySaline
- 2025-09-13 [AMP Achievers in Their Forties 2025: David Alexander - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9xSlUzbC05eVZMYmFjM29hWXBNallZNTFNRWF0QTlIbEhLRUxMd3FScURkaXFWeWVzVlg0TmJneGVTMFVDYlZyZjg5TXlSb3M4d1E0NHRaRGh6Wm1JT1JUS1YtLXFEU2hq?oc=5) · Arkansas Money &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15810 (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/2.json (key "15810", 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