Farmers Bank & Trust Company Mortgage Rates, Fees & Info

Magnolia, AR

LEI: 549300GKNMX0ZXKVPE54

Tax ID: 71-0054330

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Texarkana, Magnolia, Little Rock, Hot Springs, and Dallas among others. We have data for 35 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 a low 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 6.73% 4/21/24
    30 Year Conventional Refi 6.43% 4/21/24
    30 Year Cash-out Refi 6.55% 4/21/24
    30 Year FHA Purchase 7.34% 4/21/24
    30 Year FHA Refi 6.45% 4/21/24
    30 Year VA Purchase 6.42% 4/21/24
    30 Year VA Refi 6.36% 4/21/24
    30 Year USDA Purchase 6.57% 4/21/24
    15 Year Conventional Purchase 6.65% 4/21/24
    15 Year Conventional Refi 6.26% 4/21/24
    15 Year Cash-out Refi 6.26% 4/21/24
    15 Year FHA Refi 8.08% 4/21/24
    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.

    Farmers Bank & Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Farmers Bank & Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    745

    Origination Dollar Volume (All Markets)

    $125,455,000

    Employee count

    268 Show all (6) awards

    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) 282 $40,600,000 $143,972 $3,677 5.20%
    Magnolia, AR (FHA|USDA|VA) 148 $25,220,000 $170,405 $2,281 5.03%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 54 $9,120,000 $168,889 $3,185 4.85%
    HOT SPRINGS, AR (FHA|USDA|VA) 28 $6,410,000 $228,929 $1,794 5.41%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 15 $5,955,000 $397,000 $5,199 4.23%
    Camden, AR (FHA|USDA|VA) 57 $5,925,000 $103,947 $1,832 5.50%
    Hope, AR (FHA|USDA|VA) 40 $4,900,000 $122,500 $1,828 6.01%
    Outside of Metro Areas 35 $4,835,000 $138,143 $2,980 5.07%
    El Dorado, AR (FHA|USDA|VA) 15 $4,385,000 $292,333 $1,609 5.80%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 9 $2,625,000 $291,667 $6,731 3.86%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 9 $2,395,000 $266,111 $3,612 4.55%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $2,140,000 $356,667 $2,381 5.20%
    Edwards, CO (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $3,402 4.85%
    Malvern, AR (FHA|USDA|VA) 13 $1,665,000 $128,077 $2,649 5.53%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $1,080,000 $540,000 $5,182 5.98%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $1,070,000 $267,500 $3,625 4.99%
    LUBBOCK, TX (FHA|USDA|VA) 2 $520,000 $260,000 $5,542 3.75%
    Minden, LA (FHA|USDA|VA) 5 $475,000 $95,000 $2,064 6.04%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $475,000 $475,000 $4,913 3.25%
    Kerrville, TX (FHA|USDA|VA) 1 $465,000 $465,000 $3,411 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.75%
    Kingsville, TX (FHA|USDA|VA) 1 $315,000 $315,000 $2,447 4.50%
    Sevierville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.75%
    LONGVIEW, TX (FHA|USDA|VA) 2 $300,000 $150,000 $3,934 4.50%
    Bonham, TX (FHA|USDA|VA) 1 $295,000 $295,000 $3,951 4.13%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $270,000 $135,000 $2,504 4.73%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.00%
    WACO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,721 3.13%
    Palestine, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,434 3.25%
    JACKSON, MS (FHA|USDA|VA) 1 $195,000 $195,000 $2,235 5.45%
    Mountain Home, AR (FHA|USDA|VA) 1 $195,000 $195,000 $1,306 5.45%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $160,000 $80,000 $2,566 5.22%
    Ruston, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.00%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.00%
    TYLER, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,108 4.63%
    Farmers Bank & Trust Company's top markets include Texarkana, Magnolia, Little Rock, Hot Springs, and Dallas among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Colorado (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.

    State Bank of De Kalb
    Similarity Rank: 128
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    First Security Bank
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    FC LENDING, LTD.
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    TELCOE FEDERAL CREDIT UNION
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    HIGHLAND HOMELOANS, LLC
    Similarity Rank: 948
    CAPITAL PLUS FINANCIAL, LLC
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    Resource One Credit Union
    Similarity Rank: 1140
    First National Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 626 $105,290,000 $168,195 $2,364 5.37%
    FHA 57 $9,335,000 $163,772 $5,695 4.02%
    USDA 36 $5,020,000 $139,444 $4,167 4.29%
    VA 24 $5,420,000 $225,833 $5,421 4.02%
    HELOC 2 $390,000 $195,000 n/a 5.98%

    For 2019, Farmers Bank & Trust Company's most frequently originated type of loan was Conventional, with 626 originations. Their 2nd most popular type was FHA, with 57 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 506 $84,790,000 $167,569 $3,214 5.18%
    Refi 162 $31,480,000 $194,321 $2,527 5.02%
    Cash Out Refi 33 $6,355,000 $192,576 $3,674 4.51%
    Home Improvement 30 $2,090,000 $69,667 $1,418 6.24%
    Other 14 $740,000 $52,857 $1,617 6.08%

    For 2019, Farmers Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 506 originations. The 2nd most popular reason was Refi, with 162 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 282 $56,360,000 $199,858 $3,963 4.29%
    Other 202 $34,740,000 $171,980 $1,631 5.50%
    5 Year 148 $15,650,000 $105,743 $601 6.28%
    1 Year 36 $6,820,000 $189,444 $3,151 6.05%
    15 Year 32 $5,960,000 $186,250 $3,272 4.05%
    10 Year 22 $2,000,000 $90,909 $1,466 6.11%
    3 Year 12 $2,110,000 $175,833 $0 6.20%
    20 Year 11 $1,815,000 $165,000 $2,786 4.32%

    For 2019, Farmers Bank & Trust Company's most frequently cited loan duration was 30 Year, with 282 originations. The 2nd most popular length was Other, with 202 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 477 $85,765,000 $179,801
    $1k-2k 45 $9,805,000 $217,889
    $2k-3k 1 $365,000 $365,000
    $5k+ 1 $1,155,000 $1,155,000

    Farmers Bank & Trust Company's average total fees were $3,963, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 477 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 241 $38,585,000 $160,104
    4-5% 191 $34,585,000 $181,073
    6-7% 162 $15,430,000 $95,247
    3-4% 140 $34,570,000 $246,929
    2.5-3% 7 $2,195,000 $313,571
    7-8% 4 $90,000 $22,500

    During 2019, Farmers Bank & Trust Company's average interest rate for loans was 4.29%, while their most frequently originated rate bucket for loans was 5-6%, with 241 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 302 $17,090,000 $56,589 $2,026 5.88%
    $100k-200k 232 $34,210,000 $147,457 $2,894 4.86%
    $200k-400k 163 $44,365,000 $272,178 $3,686 4.51%
    $400k-600k 38 $17,690,000 $465,526 $4,348 4.23%
    $1MM+ 5 $8,715,000 $1,743,000 $10,431 5.75%
    $600k-1MM 5 $3,385,000 $677,000 $3,772 5.47%

    2019 saw Farmers Bank & Trust Company place emphasis on $100,000 or less loans with 302 originations, totaling $17,090,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 131 $10,525,000 $80,344 $2,534 5.33%
    $50k-75k 128 $17,210,000 $134,453 $3,124 4.86%
    $100k-150k 124 $24,700,000 $199,194 $2,956 5.03%
    $75k-100k 103 $15,615,000 $151,602 $2,801 5.11%
    $150k-250k 71 $17,755,000 $250,070 $3,536 4.57%
    $250k+ 44 $15,440,000 $350,909 $3,891 4.65%

    Farmers Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 131 originations. The second most popular income band? $50k-75k, with 128 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 114 $18,950,000 $166,228 $2,534 4.89%
    30-36% 99 $16,505,000 $166,717 $2,997 4.80%
    <20% 81 $16,225,000 $200,309 $2,572 4.84%
    36% 27 $4,905,000 $181,667 $2,838 4.83%
    39% 26 $5,210,000 $200,385 $3,327 4.66%
    42% 22 $2,930,000 $133,182 $2,775 5.15%
    38% 22 $4,390,000 $199,545 $3,131 4.82%
    43% 19 $4,085,000 $215,000 $3,673 4.64%
    41% 19 $3,395,000 $178,684 $3,156 4.75%
    40% 18 $3,410,000 $189,444 $3,200 4.80%
    46% 15 $2,485,000 $165,667 $3,096 4.40%
    37% 15 $3,475,000 $231,667 $2,472 5.25%
    44% 15 $2,575,000 $171,667 $4,448 4.24%
    49% 14 $3,180,000 $227,143 $3,063 4.30%
    50-60% 14 $2,040,000 $145,714 $4,790 4.39%
    48% 11 $2,365,000 $215,000 $4,481 4.70%
    45% 7 $1,115,000 $159,286 $4,207 4.33%
    47% 6 $920,000 $153,333 $2,790 4.35%
    >60% 1 $45,000 $45,000 $0 6.75%

    Farmers Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 114 originations. The next most common DTI ratio? 30-36%, with 99 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 552 $96,790,000 $175,344 $2,992 4.95%
    Not applicable 124 $19,930,000 $160,726 $3,402 6.13%
    Black 54 $5,730,000 $106,111 $2,929 5.33%
    Asian 6 $1,540,000 $256,667 $3,010 4.37%
    Not provided 8 $1,360,000 $170,000 $3,135 4.99%
    American Indian 1 $105,000 $105,000 $2,884 4.50%

    Approval Rates

    Total approvals of all applications
    96.25%

    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
    96.51%

    Farmers Bank & Trust Company has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 745 $125,455,000 $168,396

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $8,500,000 $850,000
    Single Family (1-4 Units):Manufactured 23 $1,435,000 $62,391
    Single Family (1-4 Units):Site-Built 712 $115,520,000 $162,247

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $2,020,000 $91,818 $1,715 5.91%
    40-60% 53 $7,605,000 $143,491 $2,289 5.13%
    60-80% 202 $32,050,000 $158,663 $2,714 5.29%
    80-100% 449 $81,545,000 $181,615 $3,291 5.08%
    Over 100% 10 $1,690,000 $169,000 $3,660 4.74%
    Under 20% 9 $545,000 $60,556 $969 6.25%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Farmers Bank & Trust Company 15064 Highway 132 Taylor, AR 71861 Limited, Drive-thru $13,028
    Farmers Bank & Trust Company 1061 N Coleman St Prosper, TX 75078 Full Service B&M $147,805
    Farmers Bank & Trust Company 1102 Arkansas Blvd Texarkana, AR 71854 Limited, Drive-thru $49,132
    Farmers Bank & Trust Company 112 N. Hwy 229 Haskell, AR 72015 Full Service B&M $20,553
    Farmers Bank & Trust Company 1125 Fairview Road Camden, AR 71701 Limited, Drive-thru $11,112
    Farmers Bank & Trust Company 1128 East Main Magnolia, AR 71753 Limited, Drive-thru $576
    Farmers Bank & Trust Company 1140 Washington Street, N.W. Camden, AR 71701 Limited, Drive-thru $16,428
    Farmers Bank & Trust Company 116 Jefferson Street, S.W. Camden, AR 71701 Full Service B&M $123,526
    Farmers Bank & Trust Company 1929 Oliver Lancaster Blvd. Malvern, AR 72104 Full Service B&M $5,130
    Farmers Bank & Trust Company 200 East Main Street Magnolia, AR 71753 Full Service B&M $436,939
    Farmers Bank & Trust Company 201 East Third Street Hope, AR 71801 Full Service B&M $113,957
    Farmers Bank & Trust Company 205 East Main Magnolia, AR 71753 Limited, Drive-thru $0
    Farmers Bank & Trust Company 2103 South Main Street Hope, AR 71801 Limited, Drive-thru $2,719
    Farmers Bank & Trust Company 2106 North Jackson Magnolia, AR 71753 Limited, Drive-thru $2,054
    Farmers Bank & Trust Company 217 E. Union St. Magnolia, AR 71753 Limited, Trust Office $0
    Farmers Bank & Trust Company 2900 St. Michael Drive Texarkana, TX 75503 Full Service B&M $177,029
    Farmers Bank & Trust Company 3601 East 9th Street Texarkana, AR 71854 Full Service B&M $42,881
    Farmers Bank & Trust Company 416 North Mccoy Blvd New Boston, TX 75570 Full Service B&M $71,602
    Farmers Bank & Trust Company 419 West 1st Street Lewisville, AR 71845 Limited, Drive-thru $12,131
    Farmers Bank & Trust Company 521 East Page Malvern, AR 72104 Full Service B&M $69,106
    Farmers Bank & Trust Company 536 Highway 274 Camden, AR 71701 Limited, Drive-thru $8,771
    Farmers Bank & Trust Company 5461 Highway 371 Blevins, AR 71825 Limited, Drive-thru $8,273
    Farmers Bank & Trust Company 5600 Richmond Road Texarkana, TX 75503 Full Service B&M $54,195
    Farmers Bank & Trust Company 617 North Hervey Hope, AR 71801 Limited, Drive-thru $6,274

    For 2019, Farmers Bank & Trust Company had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $74,315
    Net interest income $53,480
    Total noninterest income $10,217
    Gross Fiduciary activities income $712
    Service charges on deposit accounts $3,658
    Trading account gains and fees $0
    Additional Noninterest Income $5,847
    Pre-tax net operating income $23,195
    Securities gains (or losses, -) $859
    Income before extraordinary items $19,014
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,014
    Minority interest net income $0
    Net income $19,014
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $18,335

    Farmers Bank & Trust Company's gross interest income from loans was $74,315,000.
    Farmers Bank & Trust Company's net interest income from loans was $53,480,000.
    Farmers Bank & Trust Company's fee based income from loans was $3,658,000.
    Farmers Bank & Trust Company's net income from loans was $19,014,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $20,835
    Provision for credit losses $3,650
    Total noninterest expense $36,852
    Salaries and employee benefits $20,293
    Premises and equipment expense $4,876
    Additional noninterest expense $11,683
    Applicable income taxes $5,040
    Net charge-offs $3,442
    Cash dividends $23,000

    Farmers Bank & Trust Company's interest expense for loans was $20,835,000.
    Farmers Bank & Trust Company's payroll and benefits expense were $20,293,000.
    Farmers Bank & Trust Company's property, plant and equipment expenses $4,876,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    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 1.0%
    Credit card loans 6.5%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,419,507
    Deposits held in domestic offices $1,419,507
    Deposits by Individuals, partnerships, and corporations $910,680
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $508,827
    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 $421,943
    Demand deposits $197,098
    Nontransaction accounts $997,564
    Money market deposit accounts (MMDAs) $322,886
    Other savings deposits (excluding MMDAs) $73,584
    Total time deposits $601,095
    Total time and savings deposits $1,222,409
    Noninterest-bearing deposits $197,113
    Interest-bearing deposits $1,222,394
    Retail deposits $1,129,479
    IRAs and Keogh plan accounts $48,950
    Brokered deposits $64,914
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,724,820
    Cash & Balances due from depository institutions $93,948
    Interest-bearing balances $68,188
    Total securities $230,642
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,301,209
    Loan and leases loss allowance $18,666
    Trading account assets $0
    Bank premises and fixed assets $27,437
    Other real estate owned $563
    Goodwill and other intangibles $19,565
    All other assets $51,456

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,724,820
    Total Liabilities $1,555,364
    Total deposits $1,419,507
    Interest-bearing deposits $1,222,394
    Deposits held in domestic offices $1,419,507
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $120,778
    Subordinated debt $0
    All other liabilities $15,079

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,301,209
    Loan and leases loss allowance $18,666
    Total loans and leases (domestic) $1,319,875
    All real estate loans $1,054,502
    Real estate loans in domestic offices $1,054,502
    Construction and development loans $135,596
    Residential 1-4 family construction $16,730
    Other construction, all land development and other land $118,866
    Loans secured by nonfarm nonresidential properties $483,025
    Nonfarm nonresidential secured by owner-occupied properties $160,341
    Commercial real estate & other non-farm, non-residential $322,684
    Multifamily residential real estate $20,543
    1-4 family residential loans $319,203
    Farmland loans $96,135
    Loans held in foreign offices $0
    Farm loans $24,409
    Commercial and industrial loans $200,800
    To non-U.S. addressees $0
    Loans to individuals $28,516
    Credit card loans $1,483
    Related Plans $0
    Consumer Auto Loans $9,236
    Other loans to individuals $17,797
    All other loans & leases $11,647
    Loans to foreign governments and official institutions $0
    Other loans $10,855
    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 $624
    Non 1-4 family restructured loans & leases $491
    Total loans and leases (foreign) $0

    Farmers Bank & Trust Company had $1,301,209,000 of loans outstanding in 2019. $1,054,502,000 of loans were in real estate loans. $135,596,000 of loans were in development loans. $20,543,000 of loans were in multifamily mortgage loans. $319,203,000 of loans were in 1-4 family mortgage loans. $24,409,000 of loans were in farm loans. $1,483,000 of loans were in credit card loans. $9,236,000 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 520 $81,704 $157,123
    Nonfarm, nonresidential loans - <$100k 193 $7,237 $37,497
    Nonfarm, nonresidential loans - $100-250k 173 $20,832 $120,416
    Nonfarm, nonresidential loans - $250k-1MM 154 $53,635 $348,279
    Commercial & Industrial, US addressed loans - <$1MM 1,949 $116,820 $59,938
    Commercial & Industrial, US addressed loans - <$100k 1,483 $32,186 $21,703
    Commercial & Industrial, US addressed loans - $100-250k 311 $34,157 $109,830
    Commercial & Industrial, US addressed loans - $250k-1MM 155 $50,477 $325,658
    Farmland loans - <$1MM 268 $19,730 $73,619
    Farmland loans - <$100k 179 $6,277 $35,067
    Farmland loans - $100-250k 63 $7,035 $111,667
    Farmland loans - $250k-1MM 26 $6,418 $246,846
    Agriculture operations loans - <$1MM 310 $10,673 $34,429
    Agriculture operations loans - <$100k 279 $5,254 $18,832
    Agriculture operations loans - $100-250k 21 $2,518 $119,905
    Agriculture operations loans - $250k-1MM 10 $2,901 $290,100