Applications / Mortgage Analytics / Lenders / Arkansas / Farmers Bank & Trust Company
Magnolia, AR · State member bank · FRS · $3.1 billion assets · 429 loans in 2025
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429
loans originated, 2025
496
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Bank & Trust Company, a Magnolia bank, ranks fifth in Texarkana and is reaching into new markets as distant as non-metro Utah and Bozeman, MT.
Purchases made up 66.4% of its loans. FHA loans (insured by the Federal Housing Administration) were 7.0%, where the typical similar lender (state member banks making between half and twice as many loans) made none. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 1.9%, a higher share than at more than nine in ten of them.
It ranks 5 of 198 lenders in Texarkana, but its share fell to 4.6% from 6.3%. Shares are counted in dollars, so fewer large loans than in 2024, or rivals' growth, could account for the drop. In Hot Springs its share rose to 0.6% from 0.2%.
Its loans fell 6% to 429, while similar lenders grew by 6%. Part of the gap may reflect its smaller Texarkana share; its new markets, entered in 2025, are too young to add much. It now lends in 13 metros.
Majority-minority areas took 17.2% of its loans, against 6.9% at similar lenders, more than at about three in four of them. Five years before, the share was 9.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Bank & Trust Company took 496 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.4% · Refinance 23.5% · Home improvement 7.7% · Other 2.3%
Conventional 90.2% · FHA 7.0% · USDA (RHS or FSA) 1.9% · VA 0.9% · of 429 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 255 | 59.4% |
| Texas | 154 | 35.9% |
| Louisiana | 11 | 2.6% |
| Oklahoma | 4 | 0.9% |
| Montana | 2 | 0.5% |
| Colorado | 1 | 0.2% |
| Florida | 1 | 0.2% |
| Utah | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 83 |
| Dallas-Plano-Irving | 28 |
| Little Rock-North Little Rock-Conway | 9 |
| Hot Springs | 7 |
| Fayetteville-Springdale-Rogers | 6 |
| Fort Worth-Arlington-Grapevine | 3 |
| Sherman-Denison | 3 |
| Bozeman | 2 |
| Longview | 2 |
| Shreveport-Bossier City | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GKNMX0ZXKVPE54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 12946 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 212946 | 2009–2017 |
Established 1 January 1906. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Farmers Bank & Trust Company's data.
Farmers Bank & Trust Company's data
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Farmers Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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