Farmers Bank & Trust

Name

Farmers Bank & Trust

Legal name

FM Bank and Trust

Website

https://fbtbly.com

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Community banking services
• Agricultural lending
• Consumer deposit accounts
• Business banking solutions
• Digital retail banking

Headquarters

HQ city

Blytheville

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including mortgages, personal loans, business loans, and agricultural loans
2. Deposit Account Fees: Fees from checking accounts, savings accounts, and other deposit products
3. Service Charges: Miscellaneous fees including analysis fees for business accounts, debit card related fees, and other banking service charges
4. Employee Benefits Administration: Supporting employee retention through child care benefits (paying half of child care costs up to $5,000 annually) to attract and retain talent

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Farmers Bank & Trust is a community bank operating 14 branches across Arkansas and Missouri, providing FDIC-insured personal deposit accounts (checking, savings, IRAs, CDs), consumer credit cards, mortgages and personal loans, business deposit accounts and business loans, agricultural lending for farm operators, and digital banking services including online banking, a mobile app with mobile check deposit, eCorp Business Online Banking for businesses, and digital wallet payments. Revenue is generated primarily through interest income on loans and deposit-account-related service fees.

Product overview

FM Bank and Trust operates as a community bank offering a unified platform of banking products and services through fourteen branch locations across Arkansas and Missouri. The portfolio includes personal banking (checking, savings, loans, credit cards, and debit cards), business banking (checking, loans, and online banking via eCorp Business Online Banking), and specialized agricultural lending services. Digital banking capabilities are provided through online and mobile platforms supporting bill pay, text alerts, purchase alerts, and digital wallet payments. The bank's products span core deposit accounts, lending products, and digital banking features delivered through a combination of branch and digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Everyday Checking Personal checking account with debit card access, online and mobile banking, direct deposit, and bill pay tools for everyday personal finances.
• Reward Checking Personal checking account with rewards or incentive features for account holders.
• Student Checking Personal checking account designed for students with features tailored to their banking needs.
• Fresh Start Checking Personal checking account option for individuals rebuilding their banking history.
• Personal Savings Account Basic savings account for personal deposits with interest earnings.
• Individual Retirement Account (IRA) Retirement savings account offering tax-advantaged growth options.
• Reward Saver Savings account with reward or higher-interest features for consistent savers.
• Christmas Club Account Savings account designed to help customers save for holiday expenses.
• Certificates of Deposit Fixed-term deposit accounts with guaranteed returns over a specified period.
• Savings Bonds Personal investment product representing Savings Bonds held at the bank.
• Mortgages Home financing loans for purchasing or refinancing residential property for individual consumers.
• Personal Loans Unsecured or secured loans for personal expenses and financial needs of individual consumers.
• Consumer Credit Cards Personal credit card products for individual consumer spending.
• Instant Issue Debit Cards Immediate in-branch issuance of debit cards including customizable card designs and mascot options for personal account holders.
• Safe Deposit Boxes Secure physical storage containers for valuables and important documents rented to bank customers at branch locations.
• Business Checking Business banking account with cash management services, digital banking, and local market support for SMB business operations.
• Business Savings Savings accounts designed for business entities to store excess funds.
• Business Loans Commercial lending products including term loans and lines of credit for business financing needs of local companies.
• Business Credit Cards Credit card products tailored for business spending and expense management.
• eCorp Business Online Banking Online banking platform for businesses providing direct deposit, online statements, bill pay, and account transfers for commercial cash management.
• Agricultural Lending Specialized financing solutions for farmers and agricultural operations, including farm equipment loans, operating lines, and land acquisition financing.
• Online Banking Web-based banking platform for account management, transfers, and bill payment, available to consumer and business customers.
• Mobile Banking App Smartphone application for on-the-go banking including account access, mobile check deposit, and real-time alerts.

Quantifiable outcome

• Child care benefit improves employee retention and attracts talent in Blytheville region
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered minor.

• SAU Tech (Southern Arkansas University Tech)minorGTM or Marketing Partner · 21 January 2026Five-year sponsorship agreement with Farmers Bank & Trust serving as the official gym floor athletic sponsor for Rocket Arena. Under the $50,000 agreement, the bank receives prominent gym floor branding and event recognition. A formal Floor Dedication ceremony is planned for January 21, 2026. This partnership continues the bank's support for the two-year public college in Camden, Arkansas.
• Arkansas Northeastern CollegeminorStrategic or Co-development PartnerJoint initiative with Farmers Bank & Trust to support employee child care as a talent retention strategy in Blytheville. While ANC created its own summer camp program, both institutions launched parallel child care support initiatives targeting improved employee retention and regional economic growth in the area.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Simmons Bank: Arkansas-headquartered regional bank with extensive branch presence across AR, MO, and surrounding states. Comparable community-banking positioning with consumer, business, and ag lending, though significantly larger scale than FBT.
• Arvest Bank: Major Arkansas-based community bank holding company with strong presence in Northwest Arkansas and the broader Mid-South. Overlaps heavily with FBT in community-banking positioning, ag lending, and multi-state AR/MO footprint.
• Bank OZK: Arkansas-based regional bank with community banking roots and significant real estate / commercial lending franchise. Competes with FBT in AR/MO markets, especially in ag and small business lending.
• First Horizon Bank: Tennessee-headquartered regional bank with significant Mid-South presence. Competes with FBT for ag, small business, and consumer deposits in the AR/MO/TN corridor, with much larger asset base and digital capabilities.
• Renasant Bank: Mississippi-based regional community bank with presence across the Mid-South including Tennessee, Alabama, and Georgia. Comparable consumer/business/ag product set, with a more diversified geographic footprint than FBT.
• Cadence Bank: Mississippi-headquartered regional bank (formed from BancorpSouth and Cadence merger) with strong presence in AR, MO, MS, and TX. Competes with FBT across consumer, small business, and ag segments in overlapping markets.

Direct peers

• Evolve Bank & Trust: Arkansas-headquartered community bank with national digital banking platform. Operates in the same geographic market as FBT and offers comparable consumer/business/ag banking products, with a more developed fintech partnership business.
• Southern Bancorp Bank: Mississippi-based CDFI-certified community development bank serving rural Arkansas and Mississippi with similar mission-driven focus. Closest comparable in terms of CDFI designation, rural footprint, and ag/community development lending model.
• FNBC Bank: Arkansas-based community bank with branch presence in North Central Arkansas. Similar size and product offering to FBT, focused on community banking, ag lending, and small business services.

Regional players

• Armor Bank: Arkansas-based community bank with ag and rural lending focus, headquartered in Searcy. Comparable size to FBT and overlapping customer segments in rural Arkansas with similar community-bank operating model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FMBankandTrust
• Instagraminstagram.com/fmbankandtrust
• Xx.com/farmers_bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Farmers Bank & Trust