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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Texarkana, Magnolia, Little Rock, Dallas, and Hot Springs among others. We have data for 31 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

    756

    Origination Dollar Volume (All Markets)

    $144,960,000

    Employee count

    282 Show all (8) 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) 274 $48,160,000 $175,766 $3,635 4.07%
    Magnolia, AR (FHA|USDA|VA) 149 $24,425,000 $163,926 $2,423 4.38%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 43 $10,345,000 $240,581 $3,688 3.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 28 $10,240,000 $365,714 $4,196 3.34%
    HOT SPRINGS, AR (FHA|USDA|VA) 24 $9,230,000 $384,583 $2,333 4.13%
    FORT SMITH, AR-OK (FHA|USDA|VA) 2 $8,420,000 $4,210,000 $2,277 3.38%
    Hope, AR (FHA|USDA|VA) 83 $8,385,000 $101,024 $1,763 5.09%
    Camden, AR (FHA|USDA|VA) 56 $7,660,000 $136,786 $2,173 4.38%
    Outside of Metro Areas 33 $4,675,000 $141,667 $2,980 4.59%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 12 $3,590,000 $299,167 $2,851 3.60%
    Malvern, AR (FHA|USDA|VA) 11 $1,825,000 $165,909 $2,682 3.98%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,115,000 $371,667 $5,657 3.29%
    JONESBORO, AR (FHA|USDA|VA) 2 $870,000 $435,000 $2,741 3.00%
    Minden, LA (FHA|USDA|VA) 5 $645,000 $129,000 $2,996 4.23%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $610,000 $305,000 $3,947 2.75%
    El Dorado, AR (FHA|USDA|VA) 9 $605,000 $67,222 $1,482 5.12%
    Outside of Metro Areas 1 $515,000 $515,000 $3,855 2.38%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $515,000 $515,000 $3,515 2.25%
    Mount Pleasant, TX (FHA|USDA|VA) 2 $430,000 $215,000 $3,522 4.18%
    LONGVIEW, TX (FHA|USDA|VA) 2 $410,000 $205,000 $4,393 4.13%
    Arkadelphia, AR (FHA|USDA|VA) 4 $400,000 $100,000 $2,157 4.88%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,800 2.75%
    Lebanon, MO (FHA|USDA|VA) 1 $285,000 $285,000 $1,824 5.25%
    Batesville, AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,832 2.63%
    Ruston, LA (FHA|USDA|VA) 1 $205,000 $205,000 $3,313 4.85%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $3,464 3.38%
    Nacogdoches, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,524 5.25%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $165,000 $165,000 $5,431 3.75%
    WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,702 3.63%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $115,000 $115,000 $3,227 2.38%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $85,000 $85,000 $1,850 5.85%
    Farmers Bank & Trust Company's top markets include Texarkana, Magnolia, Little Rock, Dallas, and Hot Springs among others.

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

    AAXY L.L.C.
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    TEXAS TRUST
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 673 $130,215,000 $193,484 $2,612 4.35%
    FHA 37 $6,865,000 $185,541 $6,205 3.30%
    USDA 34 $4,490,000 $132,059 $3,817 3.31%
    VA 12 $3,390,000 $282,500 $5,564 2.96%

    For 2020, Farmers Bank & Trust Company's most frequently originated type of loan was Conventional, with 673 originations. Their 2nd most popular type was FHA, with 37 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 454 $75,080,000 $165,374 $3,150 4.50%
    Refi 224 $56,100,000 $250,446 $2,676 3.75%
    Cash Out Refi 50 $12,210,000 $244,200 $3,628 3.35%
    Home Improvement 22 $1,330,000 $60,455 $1,451 5.37%
    Other 6 $240,000 $40,000 $1,329 5.26%

    For 2020, Farmers Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 454 originations. The 2nd most popular reason was Refi, with 224 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 305 $70,775,000 $232,049 $3,700 3.27%
    Other 175 $22,995,000 $131,400 $1,661 5.12%
    5 Year 135 $22,805,000 $168,926 $1,793 5.53%
    15 Year 62 $13,900,000 $224,194 $3,361 2.97%
    1 Year 42 $8,740,000 $208,095 $2,011 5.40%
    20 Year 23 $4,585,000 $199,348 $3,043 3.20%
    10 Year 11 $975,000 $88,636 $1,780 5.23%
    3 Year 3 $185,000 $61,667 $1,301 5.45%

    For 2020, Farmers Bank & Trust Company's most frequently cited loan duration was 30 Year, with 305 originations. The 2nd most popular length was Other, with 175 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 494 $97,560,000 $197,490
    $1k-2k 60 $14,890,000 $248,167
    $2k-3k 3 $645,000 $215,000
    $3k-4k 3 $485,000 $161,667
    $4k-5k 3 $1,535,000 $511,667

    Farmers Bank & Trust Company's average total fees were $3,700, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 494 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 194 $39,250,000 $202,320
    3-4% 160 $35,090,000 $219,313
    5-6% 159 $16,855,000 $106,006
    2.5-3% 112 $27,900,000 $249,107
    <2.5% 77 $22,925,000 $297,727
    6-7% 52 $2,890,000 $55,577
    7-8% 1 $45,000 $45,000
    Over 8% 1 $5,000 $5,000

    During 2020, Farmers Bank & Trust Company's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 4-5%, with 194 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 263 $15,235,000 $57,928 $1,833 5.28%
    $200k-400k 230 $63,270,000 $275,087 $3,417 3.40%
    $100k-200k 212 $30,500,000 $143,868 $3,012 4.03%
    $400k-600k 43 $20,455,000 $475,698 $3,920 3.16%
    $600k-1MM 6 $4,480,000 $746,667 $4,265 5.12%
    $1MM+ 2 $11,020,000 $5,510,000 $0 4.31%

    2020 saw Farmers Bank & Trust Company place emphasis on $100,000 or less loans with 263 originations, totaling $15,235,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 148 $32,740,000 $221,216 $3,023 3.89%
    $50k-75k 130 $17,520,000 $134,769 $2,826 4.19%
    $75k-100k 112 $20,180,000 $180,179 $3,264 4.06%
    $50k or less 100 $8,860,000 $88,600 $2,444 4.51%
    $150k-250k 87 $24,035,000 $276,264 $3,198 3.57%
    $250k+ 42 $12,930,000 $307,857 $3,724 3.96%

    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 130 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 152 $27,500,000 $180,921 $2,596 3.91%
    30-36% 117 $23,555,000 $201,325 $2,661 4.03%
    <20% 77 $15,685,000 $203,701 $2,600 3.83%
    39% 28 $6,310,000 $225,357 $3,212 3.58%
    36% 23 $4,985,000 $216,739 $3,420 3.67%
    42% 22 $4,240,000 $192,727 $2,702 3.95%
    44% 22 $4,730,000 $215,000 $4,324 3.27%
    41% 21 $4,185,000 $199,286 $2,768 4.22%
    37% 21 $4,035,000 $192,143 $2,998 3.92%
    43% 19 $4,135,000 $217,632 $3,929 3.20%
    40% 17 $2,875,000 $169,118 $3,312 3.76%
    50-60% 14 $3,630,000 $259,286 $5,833 3.69%
    38% 11 $1,875,000 $170,455 $2,728 4.13%
    47% 9 $1,995,000 $221,667 $3,209 3.22%
    45% 9 $2,535,000 $281,667 $4,503 3.19%
    49% 8 $1,630,000 $203,750 $4,002 3.11%
    46% 5 $1,005,000 $201,000 $3,998 2.65%
    48% 4 $1,280,000 $320,000 $3,842 3.62%
    >60% 1 $215,000 $215,000 $1,436 4.85%

    Farmers Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 152 originations. The next most common DTI ratio? 30-36%, with 117 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 590 $115,240,000 $195,322 $3,012 3.99%
    Not applicable 110 $23,920,000 $217,455 $4,147 5.39%
    Black 51 $4,785,000 $93,824 $2,509 4.63%
    Asian 5 $1,015,000 $203,000 $2,654 3.20%

    Approval Rates

    Total approvals of all applications
    96.44%

    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
    96.16%

    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 756 $144,960,000 $191,746

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $365,000 $365,000
    Multifamily:Site-Built 8 $14,420,000 $1,802,500
    Single Family (1-4 Units):Manufactured 24 $1,250,000 $52,083
    Single Family (1-4 Units):Site-Built 723 $128,925,000 $178,320

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $3,050,000 $117,308 $2,220 4.62%
    40-60% 65 $11,505,000 $177,000 $2,884 4.13%
    60-80% 213 $51,225,000 $240,493 $2,954 3.98%
    80-100% 438 $77,230,000 $176,324 $3,030 4.33%
    Over 100% 5 $1,455,000 $291,000 $7,215 3.69%
    Under 20% 8 $490,000 $61,250 $1,808 5.00%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    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 $3,055
    Farmers Bank & Trust Company 217 E. Union St. Magnolia, AR 71753 Limited, Trust Office $0
    Farmers Bank & Trust Company 15064 Highway 132 Taylor, AR 71861 Limited, Drive-thru $15,145
    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 1606 Hollensworth Street Magnolia, AR 71753 Limited, Drive-thru $1
    Farmers Bank & Trust Company 1102 Arkansas Blvd Texarkana, AR 71854 Limited, Drive-thru $46,995
    Farmers Bank & Trust Company 112 N. Hwy 229 Haskell, AR 72015 Full Service B&M $25,682
    Farmers Bank & Trust Company 1125 Fairview Road Camden, AR 71701 Limited, Drive-thru $11,084
    Farmers Bank & Trust Company 1128 East Main Magnolia, AR 71753 Limited, Drive-thru $952
    Farmers Bank & Trust Company 1140 Washington Street, N.W. Camden, AR 71701 Limited, Drive-thru $19,158
    Farmers Bank & Trust Company 116 Jefferson Street, S.W. Camden, AR 71701 Full Service B&M $157,636
    Farmers Bank & Trust Company 1929 Oliver Lancaster Blvd. Malvern, AR 72104 Full Service B&M $6,600
    Farmers Bank & Trust Company 200 East Main Street Magnolia, AR 71753 Full Service B&M $430,637
    Farmers Bank & Trust Company 201 East Third Street Hope, AR 71801 Full Service B&M $121,216
    Farmers Bank & Trust Company 2900 St. Michael Drive Texarkana, TX 75503 Full Service B&M $214,102
    Farmers Bank & Trust Company 3601 East 9th Street Texarkana, AR 71854 Full Service B&M $29,917
    Farmers Bank & Trust Company 416 North Mccoy Blvd New Boston, TX 75570 Full Service B&M $87,745
    Farmers Bank & Trust Company 419 West 1st Street Lewisville, AR 71845 Limited, Drive-thru $11,647
    Farmers Bank & Trust Company 521 East Page Malvern, AR 72104 Full Service B&M $71,240
    Farmers Bank & Trust Company 5461 Highway 371 Blevins, AR 71825 Limited, Drive-thru $9,512
    Farmers Bank & Trust Company 5600 Richmond Road Texarkana, TX 75503 Full Service B&M $57,732
    Farmers Bank & Trust Company 617 North Hervey Hope, AR 71801 Limited, Drive-thru $7,485
    Farmers Bank & Trust Company 750 North Preston Rd Prosper, TX 75078 Full Service B&M $107,871
    Farmers Bank & Trust Company East 2nd And Main Streets Prescott, AR 71857 Full Service B&M $61,616

    For 2020, Farmers Bank & Trust Company had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $77,536
    Net interest income $63,101
    Total noninterest income $11,368
    Gross Fiduciary activities income $828
    Service charges on deposit accounts $3,519
    Trading account gains and fees $0
    Additional Noninterest Income $7,021
    Pre-tax net operating income $26,734
    Securities gains (or losses, -) $847
    Income before extraordinary items $21,988
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,988
    Minority interest net income $0
    Net income $21,988
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $21,310

    Farmers Bank & Trust Company's gross interest income from loans was $77,536,000.
    Farmers Bank & Trust Company's net interest income from loans was $63,101,000.
    Farmers Bank & Trust Company's fee based income from loans was $3,519,000.
    Farmers Bank & Trust Company's net income from loans was $21,988,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,435
    Provision for credit losses $8,400
    Total noninterest expense $39,335
    Salaries and employee benefits $22,143
    Premises and equipment expense $5,133
    Additional noninterest expense $12,059
    Applicable income taxes $5,593
    Net charge-offs $4,205
    Cash dividends $3,000

    Farmers Bank & Trust Company's interest expense for loans was $14,435,000.
    Farmers Bank & Trust Company's payroll and benefits expense were $22,143,000.
    Farmers Bank & Trust Company's property, plant and equipment expenses $5,133,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 1.0%
    Credit card loans 7.8%
    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 $1,533,413
    Deposits held in domestic offices $1,533,413
    Deposits by Individuals, partnerships, and corporations $1,072,731
    Deposits by U.S. Government $380
    Deposits by States and political subdivisions in the U.S. $460,302
    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 $536,571
    Demand deposits $275,195
    Nontransaction accounts $996,842
    Money market deposit accounts (MMDAs) $375,345
    Other savings deposits (excluding MMDAs) $89,447
    Total time deposits $532,050
    Total time and savings deposits $1,258,218
    Noninterest-bearing deposits $284,714
    Interest-bearing deposits $1,248,699
    Retail deposits $1,293,989
    IRAs and Keogh plan accounts $46,245
    Brokered deposits $36,003
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,793,266
    Cash & Balances due from depository institutions $99,632
    Interest-bearing balances $64,552
    Total securities $247,349
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,338,557
    Loan and leases loss allowance $22,861
    Trading account assets $0
    Bank premises and fixed assets $33,635
    Other real estate owned $1,189
    Goodwill and other intangibles $19,225
    All other assets $53,679

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,793,266
    Total Liabilities $1,602,175
    Total deposits $1,533,413
    Interest-bearing deposits $1,248,699
    Deposits held in domestic offices $1,533,413
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $53,678
    Subordinated debt $0
    All other liabilities $15,084

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,338,557
    Loan and leases loss allowance $22,861
    Total loans and leases (domestic) $1,361,418
    All real estate loans $1,053,750
    Real estate loans in domestic offices $1,053,750
    Construction and development loans $145,554
    Residential 1-4 family construction $17,149
    Other construction, all land development and other land $128,405
    Loans secured by nonfarm nonresidential properties $531,357
    Nonfarm nonresidential secured by owner-occupied properties $156,195
    Commercial real estate & other non-farm, non-residential $375,162
    Multifamily residential real estate $22,964
    1-4 family residential loans $280,109
    Farmland loans $73,766
    Loans held in foreign offices $0
    Farm loans $20,173
    Commercial and industrial loans $249,164
    To non-U.S. addressees $0
    Loans to individuals $23,347
    Credit card loans $1,570
    Related Plans $0
    Consumer Auto Loans $7,859
    Other loans to individuals $13,918
    All other loans & leases $14,984
    Loans to foreign governments and official institutions $0
    Other loans $10,137
    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 $42
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Farmers Bank & Trust Company had $1,338,557,000 of loans outstanding in 2020. $1,053,750,000 of loans were in real estate loans. $145,554,000 of loans were in development loans. $22,964,000 of loans were in multifamily mortgage loans. $280,109,000 of loans were in 1-4 family mortgage loans. $20,173,000 of loans were in farm loans. $1,570,000 of loans were in credit card loans. $7,859,000 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 502 $81,957 $163,261
    Nonfarm, nonresidential loans - <$100k 175 $6,586 $37,634
    Nonfarm, nonresidential loans - $100-250k 167 $20,280 $121,437
    Nonfarm, nonresidential loans - $250k-1MM 160 $55,091 $344,319
    Commercial & Industrial, US addressed loans - <$1MM 2,184 $144,303 $66,073
    Commercial & Industrial, US addressed loans - <$100k 1,617 $35,529 $21,972
    Commercial & Industrial, US addressed loans - $100-250k 368 $39,334 $106,886
    Commercial & Industrial, US addressed loans - $250k-1MM 199 $69,440 $348,945
    Farmland loans - <$1MM 245 $18,904 $77,159
    Farmland loans - <$100k 154 $5,015 $32,565
    Farmland loans - $100-250k 63 $6,757 $107,254
    Farmland loans - $250k-1MM 28 $7,132 $254,714
    Agriculture operations loans - <$1MM 279 $8,580 $30,753
    Agriculture operations loans - <$100k 254 $4,640 $18,268
    Agriculture operations loans - $100-250k 17 $1,651 $97,118
    Agriculture operations loans - $250k-1MM 8 $2,289 $286,125