Bank · FDIC insured
FM Bank and Trust
A $1.4B bank headquartered in Blytheville, AR, with 16 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings600.01%0.25% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FM Bank and Trust
FM Bank & Trust traces its roots to 1908, when Farmers Bank & Trust opened in Blytheville, Arkansas to serve local farmers, businesses, and families.
In the mid-2020s, under the ownership of the Lawrence family, several sister banks were reorganized and unified under the FM Bank & Trust brand.
The institution is a certified Community Development Financial Institution focusing on agricultural lending and operating eighteen locations across Arkansas and Missouri.
- Headquarters
- 400 W Main St, Blytheville, AR 72315
- FDIC certificate
- 1027 ↗
Branches
16 branches in 2 states
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Arkansas
9 branches
Blytheville area · 6
- Fm Bank And TrustMain office400 W Main St, Blytheville, AR 72315Directions
- Blytheville Branch3824 E Main St, Blytheville, AR 72315Directions
- Gosnell Branch203 S Air Base Hwy, Gosnell, AR 72315Directions
- Leachville Branch100 North Main Street, Leachville, AR 72438Directions
- Manila Branch3626 W State Highway 18, Manila, AR 72442Directions
- Wilson Branch1 Park St, Wilson, AR 72395Directions
Piggott area · 2
- Drive-In Branch182 N 2nd Ave, Piggott, AR 72454Directions
- Piggott Branch271 W Cherry St, Piggott, AR 72454Directions
Rector area · 1
- Rector Branch400 S Main St, Rector, AR 72461Directions
Missouri
7 branches
Cape Girardeau area · 3
- Cape Branch2 S Mount Auburn Rd, Cape Girardeau, MO 63703Directions
- Cape Rock Branch800 N Kingshighway St, Cape Girardeau, MO 63701Directions
- Jackson Branch2480 E Main St, Jackson, MO 63755Directions
Kennett area · 2
- Kennett Branch500 Independence Ave, Kennett, MO 63857Directions
- Malden Branch1009 N Douglass St, Malden, MO 63863Directions
Dexter area · 1
- Dexter Branch310 N Walnut St, Dexter, MO 63841Directions
Poplar Bluff area · 1
- Poplar Bluff Branch2910 Barron Rd, Poplar Bluff, MO 63901Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.62% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.52% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.37% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalLeverage ratio8.62%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.52%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.37%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FM Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.