| Metric | Fm Bank And Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +141.9% | +5.5% | +136.4 pts |
| Deposit growth (YoY) | +136.2% | +5.1% | +131.1 pts |
| Loan growth (YoY) | +140.7% | +6.0% | +134.8 pts |
| ROA | 2.37% | 1.26% | +1.1 pts |
| ROE | 29.3% | 12.2% | +17.1 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.20B | $1.11B | $107.8M | $12.9M | 2.37% | 5.06% | 0.44% |
| Q1 2026 | $1.30B | $1.17B | $1.07B | $109.0M | $6.2M | 2.62% | 5.71% | 0.64% |
| Q4 2025 | $586.3M | $534.3M | $459.3M | $46.2M | $10.7M | 1.96% | 4.28% | 1.25% |
| Q3 2025 | $582.4M | $513.6M | $481.0M | $42.5M | $7.6M | 1.88% | 4.18% | 1.53% |
| Q2 2025 | $563.8M | $509.7M | $459.4M | $43.4M | $4.9M | 1.89% | 4.04% | 1.90% |
| Q1 2025 | $568.6M | $523.5M | $430.0M | $42.4M | $2.5M | 2.01% | 4.11% | 0.91% |
| Q4 2024 | $429.7M | $391.1M | $338.2M | $36.4M | $11.1M | 2.67% | 4.16% | 0.48% |
| Q3 2024 | $432.4M | $391.4M | $351.6M | $37.9M | $7.5M | 2.45% | 4.11% | 0.41% |
Loan mix (Q2 2026): real estate $822.7M · commercial $132.5M · consumer $30.6M · securities $50.0M
| Ratio | Fm Bank And Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.37% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 29.3% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 59.0% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Fm Bank And Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Fm Bank And Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Fm Bank And Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Fm Bank And Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Fm Bank And Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
16 branches in 6 counties across 2 states (+7 vs 2025) · $1.20B branch deposits. Biggest market: Mississippi, AR, ranked 1st with 52.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mississippi, AR | 6 | $480.3M | 52.36% | 1st |
| Butler, MO | 1 | $246.3M | 13.81% | 3rd |
| Cape Girardeau, MO | 3 | $190.6M | 5.43% | 10th |
| 3 more counties with Pro → | ||||
Arkansas: 37th with 0.53% · Missouri: 77th with 0.20% · Cape Girardeau metro: 10th, 5.09% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 9 · 2026 16
Technology spend up 44% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).