Farmers Bank & Trust Company Mortgage Rates, Fees & Info

Magnolia, AR

LEI: 549300GKNMX0ZXKVPE54

Tax ID: 71-0054330

5 stars - out of 5 stars, based on 29 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Farmers Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Farmers Bank & Trust Company has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Texarkana, Paris, Magnolia, Dallas, and Little Rock among others. We have data for 38 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Farmers Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Farmers Bank & Trust Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.54% 3/19/23
    30 Year Conventional Refi 6.27% 3/19/23
    30 Year Cash-out Refi 6.55% 3/19/23
    30 Year FHA Purchase 6.98% 3/19/23
    30 Year VA Purchase 5.91% 3/19/23
    30 Year VA Refi 5.55% 3/19/23
    30 Year USDA Purchase 6.66% 3/19/23
    15 Year Conventional Purchase 6.00% 3/19/23
    15 Year Conventional Refi 5.76% 3/19/23
    15 Year Cash-out Refi 5.76% 3/19/23
    15 Year VA Refi 5.17% 3/19/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    823

    Origination Dollar Volume (All Markets)

    $183,765,000

    Employee count

    293 Show all (14) awards

    Relative Rate

    Farmers Bank & Trust Company's average 30 year fixed mortgage rate was 2.96%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.19%.

    Relative Fees (Closing Costs)

    Farmers Bank & Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $3,792.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    TEXARKANA, TX-AR (FHA|USDA|VA) 231 $44,445,000 $192,403 $3,815 3.93%
    Paris, TX (FHA|USDA|VA) 133 $27,915,000 $209,887 $3,489 3.66%
    Magnolia, AR (FHA|USDA|VA) 124 $23,340,000 $188,226 $2,396 3.86%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 32 $12,030,000 $375,938 $4,601 2.85%
    Outside of Metro Areas 52 $11,180,000 $215,000 $2,819 3.86%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 38 $10,950,000 $288,158 $2,713 3.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 26 $10,550,000 $405,769 $2,228 3.99%
    Camden, AR (FHA|USDA|VA) 35 $9,325,000 $266,429 $2,163 4.23%
    Hope, AR (FHA|USDA|VA) 69 $6,845,000 $99,203 $1,598 4.51%
    El Dorado, AR (FHA|USDA|VA) 14 $5,370,000 $383,571 $2,508 4.24%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $2,750,000 $1,375,000 $0 4.10%
    Granbury, TX (FHA|USDA|VA) 1 $2,325,000 $2,325,000 $0 4.00%
    Malvern, AR (FHA|USDA|VA) 17 $2,285,000 $134,412 $2,054 3.86%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $1,750,000 $437,500 $7,618 3.89%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,720,000 $286,667 $3,161 3.67%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $1,675,000 $558,333 $4,003 2.96%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,220,000 $610,000 $0 3.99%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $1,115,000 $371,667 $4,821 4.21%
    Mount Pleasant, TX (FHA|USDA|VA) 4 $740,000 $185,000 $3,980 3.25%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $705,000 $705,000 $0 4.95%
    OCALA, FL (FHA|USDA|VA) 1 $545,000 $545,000 $7,062 2.38%
    LONGVIEW, TX (FHA|USDA|VA) 1 $525,000 $525,000 $6,683 3.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $505,000 $505,000 $3,688 2.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $485,000 $485,000 $5,130 2.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $355,000 $355,000 $4,044 2.75%
    JONESBORO, AR (FHA|USDA|VA) 2 $340,000 $170,000 $2,122 3.25%
    Minden, LA (FHA|USDA|VA) 4 $340,000 $85,000 $2,358 4.25%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $335,000 $335,000 $3,389 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.75%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $305,000 $305,000 $3,946 2.49%
    Arkadelphia, AR (FHA|USDA|VA) 3 $285,000 $95,000 $1,668 4.17%
    Gainesville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.50%
    Bonham, TX (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.38%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $185,000 $185,000 $2,729 3.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,446 2.99%
    Kerrville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,548 2.00%
    Ruston, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
    Batesville, AR (FHA|USDA|VA) 1 $85,000 $85,000 $1,889 5.25%
    Farmers Bank & Trust Company's top markets include Texarkana, Paris, Magnolia, Dallas, and Little Rock among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Farmers Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 762 $172,930,000 $226,942 $2,824 3.93%
    USDA 29 $4,265,000 $147,069 $3,967 2.79%
    FHA 24 $4,800,000 $200,000 $6,788 2.63%
    VA 8 $1,770,000 $221,250 $3,203 2.42%

    For 2021, Farmers Bank & Trust Company's most frequently originated type of loan was Conventional, with 762 originations. Their 2nd most popular type was USDA, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 458 $99,950,000 $218,231 $3,144 4.13%
    Refi 256 $61,450,000 $240,039 $2,809 3.42%
    Cash Out Refi 65 $16,785,000 $258,231 $4,038 2.95%
    Home Improvement 38 $4,060,000 $106,842 $1,746 4.64%
    Other 6 $1,520,000 $253,333 $3,251 4.04%

    For 2021, Farmers Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 458 originations. The 2nd most popular reason was Refi, with 256 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 275 $69,595,000 $253,073 $3,792 2.96%
    Other 203 $35,455,000 $174,655 $1,817 4.43%
    5 Year 178 $38,100,000 $214,045 $1,097 4.90%
    15 Year 72 $17,200,000 $238,889 $3,419 2.53%
    1 Year 46 $9,750,000 $211,957 $3,103 4.96%
    20 Year 29 $6,185,000 $213,276 $3,429 2.94%
    10 Year 15 $2,385,000 $159,000 $2,637 3.78%
    3 Year 5 $5,095,000 $1,019,000 $0 4.88%

    For 2021, Farmers Bank & Trust Company's most frequently cited loan duration was 30 Year, with 275 originations. The 2nd most popular length was Other, with 203 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 521 $114,025,000 $218,858
    $1k-2k 43 $9,865,000 $229,419
    $2k-3k 8 $2,590,000 $323,750
    $3k-4k 4 $930,000 $232,500
    $5k+ 4 $2,270,000 $567,500
    $4k-5k 1 $255,000 $255,000

    Farmers Bank & Trust Company's average total fees were $3,792, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 521 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 296 $64,610,000 $218,277
    2.5-3% 171 $44,035,000 $257,515
    <2.5% 127 $36,195,000 $285,000
    3-4% 115 $27,435,000 $238,565
    5-6% 99 $9,945,000 $100,455
    6-7% 14 $1,480,000 $105,714
    7-8% 1 $65,000 $65,000

    During 2021, Farmers Bank & Trust Company's average interest rate for loans was 2.96%, while their most frequently originated rate bucket for loans was 4-5%, with 296 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 265 $39,135,000 $147,679 $2,873 3.78%
    $200k-400k 238 $67,930,000 $285,420 $3,515 3.19%
    $100,000 or less 231 $13,495,000 $58,420 $1,754 4.73%
    $400k-600k 64 $31,360,000 $490,000 $3,938 3.15%
    $600k-1MM 17 $12,425,000 $730,882 $6,642 4.20%
    $1MM+ 8 $19,420,000 $2,427,500 $0 4.34%

    2021 saw Farmers Bank & Trust Company place emphasis on $100k-200k loans with 265 originations, totaling $39,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 148 $34,240,000 $231,351 $3,057 3.62%
    $50k-75k 131 $19,785,000 $151,031 $3,015 3.58%
    $75k-100k 124 $21,610,000 $174,274 $3,057 3.78%
    $150k-250k 110 $31,420,000 $285,636 $3,187 3.48%
    $50k or less 103 $10,695,000 $103,835 $2,550 3.95%
    $250k+ 57 $20,915,000 $366,930 $3,946 3.64%

    Farmers Bank & Trust Company lent most frequently to those with incomes in the $100k-150k range, with 148 originations. The second most popular income band? $50k-75k, with 131 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 166 $32,920,000 $198,313 $2,721 3.67%
    30-36% 135 $27,755,000 $205,593 $3,028 3.41%
    <20% 85 $17,235,000 $202,765 $2,684 3.80%
    40% 27 $4,735,000 $175,370 $2,914 3.74%
    42% 22 $4,730,000 $215,000 $3,670 3.39%
    38% 22 $4,560,000 $207,273 $3,089 3.72%
    39% 20 $5,120,000 $256,000 $2,718 3.65%
    44% 20 $4,960,000 $248,000 $3,469 2.89%
    41% 19 $3,285,000 $172,895 $2,634 3.66%
    37% 17 $4,295,000 $252,647 $3,025 3.47%
    36% 16 $3,720,000 $232,500 $2,774 3.74%
    43% 14 $4,210,000 $300,714 $4,877 2.60%
    49% 13 $4,115,000 $316,538 $3,558 3.08%
    47% 13 $3,715,000 $285,769 $3,770 2.90%
    50-60% 11 $2,575,000 $234,091 $6,199 3.36%
    46% 11 $2,605,000 $236,818 $3,899 2.66%
    45% 9 $2,665,000 $296,111 $3,006 2.67%
    48% 6 $2,050,000 $341,667 $3,758 2.89%
    >60% 2 $310,000 $155,000 $1,767 4.25%

    Farmers Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 166 originations. The next most common DTI ratio? 30-36%, with 135 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 627 $133,925,000 $213,596 $3,051 3.64%
    Not applicable 124 $38,770,000 $312,661 $0 4.87%
    Black 45 $5,685,000 $126,333 $2,847 4.01%
    Not provided 18 $3,010,000 $167,222 $3,583 3.63%
    Asian 7 $1,785,000 $255,000 $2,977 3.16%
    American Indian 2 $590,000 $295,000 $4,809 2.62%

    Approval Rates

    Total approvals of all applications
    95.74%

    Farmers Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    93.56%

    Farmers Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 823 $183,765,000 $223,287

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    823 $183,765,000 $223,287

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 38 $5,050,000 $132,895 $2,474 4.08%
    40-60% 84 $19,070,000 $227,024 $3,070 3.50%
    60-80% 242 $59,950,000 $247,727 $3,330 3.55%
    80-100% 447 $98,725,000 $220,861 $2,999 4.02%
    Over 100% 1 $315,000 $315,000 $2,769 4.25%
    Under 20% 11 $655,000 $59,545 $1,208 4.53%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Farmers Bank & Trust Company 1102 Arkansas Blvd Texarkana, AR 71854 Limited, Drive-thru $34,637
    Farmers Bank & Trust Company 200 East Main Street Magnolia, AR 71753 Full Service B&M $410,583
    Farmers Bank & Trust Company 201 East Third Street Hope, AR 71801 Full Service B&M $135,070
    Farmers Bank & Trust Company 205 East Main Magnolia, AR 71753 Limited, Drive-thru $0
    Farmers Bank & Trust Company 2106 North Jackson Magnolia, AR 71753 Limited, Drive-thru $4,224
    Farmers Bank & Trust Company 217 E. Union St. Magnolia, AR 71753 Limited, Trust Office $0
    Farmers Bank & Trust Company 220 E Main Magnolia, AR 71753 Limited, Administrative $0
    Farmers Bank & Trust Company 222 Pine Street Magnolia, AR 71753 Limited, Administrative $0
    Farmers Bank & Trust Company 2900 St. Michael Drive Texarkana, TX 75503 Full Service B&M $251,140
    Farmers Bank & Trust Company 3345 Highway 5 North, Ste 100 Bryant, AR 72019 Full Service B&M $11,518
    Farmers Bank & Trust Company 3601 East 9th Street Texarkana, AR 71854 Full Service B&M $33,582
    Farmers Bank & Trust Company 416 North Mccoy Blvd New Boston, TX 75570 Full Service B&M $98,670
    Farmers Bank & Trust Company 419 West 1st Street Lewisville, AR 71845 Limited, Drive-thru $13,319
    Farmers Bank & Trust Company 521 East Page Malvern, AR 72104 Full Service B&M $68,082
    Farmers Bank & Trust Company 5461 Highway 371 Blevins, AR 71825 Limited, Drive-thru $10,226
    Farmers Bank & Trust Company 5600 Richmond Road Texarkana, TX 75503 Full Service B&M $53,034
    Farmers Bank & Trust Company 617 North Hervey Hope, AR 71801 Limited, Drive-thru $7,983
    Farmers Bank & Trust Company 750 North Preston Rd Prosper, TX 75078 Full Service B&M $160,502
    Farmers Bank & Trust Company East 2nd And Main Streets Prescott, AR 71857 Full Service B&M $60,171
    Farmers Bank & Trust Company 112 N. Hwy 229 Haskell, AR 72015 Full Service B&M $23,315
    Farmers Bank & Trust Company 1125 Fairview Road Camden, AR 71701 Limited, Drive-thru $12,003
    Farmers Bank & Trust Company 1128 East Main Magnolia, AR 71753 Limited, Drive-thru $2,062
    Farmers Bank & Trust Company 1140 Washington Street, N.W. Camden, AR 71701 Limited, Drive-thru $21,908
    Farmers Bank & Trust Company 116 Jefferson Street, S.W. Camden, AR 71701 Full Service B&M $166,088
    Farmers Bank & Trust Company 1375 Ne Loop 286 Paris, TX 75460 Full Service B&M $66,795
    Farmers Bank & Trust Company 15064 Highway 132 Taylor, AR 71861 Limited, Drive-thru $16,822
    Farmers Bank & Trust Company 1606 Hollensworth Street Magnolia, AR 71753 Limited, Drive-thru $39
    Farmers Bank & Trust Company 1929 Oliver Lancaster Blvd. Malvern, AR 72104 Full Service B&M $8,098

    For 2021, Farmers Bank & Trust Company had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $78,978
    Net interest income $70,839
    Total noninterest income $13,915
    Gross Fiduciary activities income $893
    Service charges on deposit accounts $4,524
    Trading account gains and fees $0
    Additional Noninterest Income $8,498
    Pre-tax net operating income $36,113
    Securities gains (or losses, -) $-111
    Income before extraordinary items $28,568
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,568
    Minority interest net income $0
    Net income $28,568
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $28,655

    Farmers Bank & Trust Company's gross interest income from loans was $78,978,000.
    Farmers Bank & Trust Company's net interest income from loans was $70,839,000.
    Farmers Bank & Trust Company's fee based income from loans was $4,524,000.
    Farmers Bank & Trust Company's net income from loans was $28,568,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,139
    Provision for credit losses $4,400
    Total noninterest expense $44,241
    Salaries and employee benefits $24,189
    Premises and equipment expense $5,492
    Additional noninterest expense $14,560
    Applicable income taxes $7,434
    Net charge-offs $2,859
    Cash dividends $6,000

    Farmers Bank & Trust Company's interest expense for loans was $8,139,000.
    Farmers Bank & Trust Company's payroll and benefits expense were $24,189,000.
    Farmers Bank & Trust Company's property, plant and equipment expenses $5,492,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.6%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,834,435
    Deposits held in domestic offices $1,834,435
    Deposits by Individuals, partnerships, and corporations $1,249,716
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $584,719
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $744,287
    Demand deposits $445,452
    Nontransaction accounts $1,090,148
    Money market deposit accounts (MMDAs) $497,104
    Other savings deposits (excluding MMDAs) $114,721
    Total time deposits $478,324
    Total time and savings deposits $1,388,983
    Noninterest-bearing deposits $380,168
    Interest-bearing deposits $1,454,267
    Retail deposits $1,618,913
    IRAs and Keogh plan accounts $44,101
    Brokered deposits $8,407
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,106,370
    Cash & Balances due from depository institutions $53,112
    Interest-bearing balances $26,413
    Total securities $519,850
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,411,146
    Loan and leases loss allowance $24,402
    Trading account assets $0
    Bank premises and fixed assets $40,593
    Other real estate owned $47
    Goodwill and other intangibles $24,299
    All other assets $57,323

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,106,370
    Total Liabilities $1,895,897
    Total deposits $1,834,435
    Interest-bearing deposits $1,454,267
    Deposits held in domestic offices $1,834,435
    % insured (estimated) $90
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $46,300
    Subordinated debt $0
    All other liabilities $15,162

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,411,146
    Loan and leases loss allowance $24,402
    Total loans and leases (domestic) $1,435,548
    All real estate loans $1,131,798
    Real estate loans in domestic offices $1,131,798
    Construction and development loans $175,870
    Residential 1-4 family construction $21,801
    Other construction, all land development and other land $154,069
    Loans secured by nonfarm nonresidential properties $569,142
    Nonfarm nonresidential secured by owner-occupied properties $193,730
    Commercial real estate & other non-farm, non-residential $375,412
    Multifamily residential real estate $27,152
    1-4 family residential loans $274,920
    Farmland loans $84,714
    Loans held in foreign offices $0
    Farm loans $17,994
    Commercial and industrial loans $257,421
    To non-U.S. addressees $0
    Loans to individuals $23,162
    Credit card loans $1,867
    Related Plans $0
    Consumer Auto Loans $6,942
    Other loans to individuals $14,353
    All other loans & leases $5,173
    Loans to foreign governments and official institutions $0
    Other loans $579
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $41
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Farmers Bank & Trust Company had $1,411,146,000 of loans outstanding in 2021. $1,131,798,000 of loans were in real estate loans. $175,870,000 of loans were in development loans. $27,152,000 of loans were in multifamily mortgage loans. $274,920,000 of loans were in 1-4 family mortgage loans. $17,994,000 of loans were in farm loans. $1,867,000 of loans were in credit card loans. $6,942,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 490 $86,811 $177,165
    Nonfarm, nonresidential loans - <$100k 157 $6,170 $39,299
    Nonfarm, nonresidential loans - $100-250k 153 $18,066 $118,078
    Nonfarm, nonresidential loans - $250k-1MM 180 $62,575 $347,639
    Commercial & Industrial, US addressed loans - <$1MM 2,438 $140,937 $57,808
    Commercial & Industrial, US addressed loans - <$100k 1,851 $41,221 $22,270
    Commercial & Industrial, US addressed loans - $100-250k 395 $38,179 $96,656
    Commercial & Industrial, US addressed loans - $250k-1MM 192 $61,537 $320,505
    Farmland loans - <$1MM 266 $24,250 $91,165
    Farmland loans - <$100k 155 $5,462 $35,239
    Farmland loans - $100-250k 76 $9,017 $118,645
    Farmland loans - $250k-1MM 35 $9,771 $279,171
    Agriculture operations loans - <$1MM 246 $8,414 $34,203
    Agriculture operations loans - <$100k 218 $4,153 $19,050
    Agriculture operations loans - $100-250k 19 $2,067 $108,789
    Agriculture operations loans - $250k-1MM 9 $2,194 $243,778