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FIXnotes

FM BANK&TRUST

BANK

BLYTHEVILLE, AR · SM

Total Assets
$1.3B
Total Loans
$1.1B
6.7%
-7.4
FM BANK&TRUST in AR reported a 6.7% Texas ratio in Q1 2026, declining -7.4pp from the prior quarter. Nonperforming assets fell to 0.76%, a decrease of -0.79pp.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)
Commercial real estate
Construction & land
FOUNDATION Multifamily Unlock to view
FOUNDATION Non-residential CRE Unlock to view
FOUNDATION Residential real estate Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION Other loans Unlock to view
FOUNDATION 1-4 family — 1st lien Unlock to view
FOUNDATION 1-4 family — junior lien Unlock to view
FOUNDATION 1-4 family — HELOC Unlock to view
FOUNDATION Multifamily Unlock to view
FOUNDATION CRE — owner-occupied Unlock to view
FOUNDATION CRE — non-owner-occupied Unlock to view
FOUNDATION Construction — 1-4 family Unlock to view
FOUNDATION Construction — other Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Arkansas mortgage-note market & lender distress →

Recent acquisitions

Institutions FM BANK&TRUST absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • First Missouri Bank of SEMOKennett, MO · Jan 1, 2026 · Merger
    Inherited NPL volume
    $118K
    Inherited NPL %
    0.06%
    Total loans inherited
    $189M
    Total assets inherited
    $211M
    YTD charge-offs (at close)
    $54K
    Last filing
    Dec 31, 2025
  • First Missouri State BankPoplar Bluff, MO · Jan 1, 2026 · Merger
    Inherited NPL volume
    $68K
    Inherited NPL %
    0.03%
    Total loans inherited
    $220M
    Total assets inherited
    $278M
    YTD charge-offs (at close)
    $124K
    Last filing
    Dec 31, 2025
  • First Missouri State Bank of Cape CountyCape Girardeau, MO · Jan 1, 2026 · Merger
    Inherited NPL volume
    $0
    Inherited NPL %
    0.00%
    Total loans inherited
    $204M
    Total assets inherited
    $235M
    YTD charge-offs (at close)
    $52K
    Last filing
    Dec 31, 2025
  • Piggott State BankPiggott, AR · Jan 1, 2025 · Merger
    Inherited NPL volume
    $375K
    Inherited NPL %
    0.48%
    Total loans inherited
    $78M
    Total assets inherited
    $126M
    YTD charge-offs (at close)
    $278K
    Last filing
    Dec 31, 2024