FBT Bank & Mortgage: how it compares with its peers
Against 32 AR banks with half to twice its assets, FBT Bank & Mortgage's strongest measure in Q2 2026 is net interest margin (4.41% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (71.33% vs. 65.37%).
| Measure | FBT Bank & Mortgage | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.20% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 4.14% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.33% | 65.37% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.2M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.23% | 82.87% | Context |
What it means for lending operations
Its efficiency ratio of 71.33% is above the 65.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Salem Salem, AR · $262M
- Petit Jean State Bank Morrilton, AR · $260M
- Bank of Little Rock Little Rock, AR · $253M
- Smackover State Bank Smackover, AR · $252M
- Bodcaw Bank Stamps, AR · $247M
- Farmers Bank Greenwood, AR · $289M
Questions about FBT Bank & Mortgage
How big is FBT Bank & Mortgage?
FBT Bank & Mortgage, established in 1931, is headquartered in Fordyce, AR. It reported $264M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is FBT Bank & Mortgage's return on assets?
1.41% annualized in Q2 2026, against a 1.20% median for 32 AR banks with half to twice its assets, ahead of 63% of them.
What is FBT Bank & Mortgage's efficiency ratio?
71.33% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 65.37%, and lower is better.
Is FBT Bank & Mortgage growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits shrank 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.