At a glance
From its website, read 2 Nov 2026FM Bank and Trust is a bank or thrift based in Blytheville, Arkansas. Its website describes farm loans, home mortgages, personal loans and 1 other loan type. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (870) 763-8101 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.fbtbly.com |
| Office (official list) | 400 W. Main Street P.O. Box 688, Blytheville, AR 72315 |
What their website says about applying
We now offer online loan applications.
sourceReach out for more information about mortgages by phone at 1-870-763-8101 or to start your application by applying online using this link.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Jan 2021 |
| RSSD ID | 33147 |
| Address | 400 W. Main Street P.O. Box 688, Blytheville, AR 72315 |
| Website | www.fbtbly.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Branch locations are listed in Arkansas and Missouri, but no explicit service area or loan amounts are stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | We offer crop production loans that will help with your farm’s daily operations from planting through the harvest season. | source |
| Home mortgages | — | Whether you are looking to purchase a new home, refinance your existing home, or finance some much-needed home improvements, contact FM Bank and Trust first to discuss your mortgage loan needs. | source |
| Personal / consumer loans | — | we will make it as quick as possible for you to obtain a loan for almost any purpose. | source |
| Small-business loans | — | We will make it as quick and easy as possible to obtain a loan for your business, large or small. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Farmers / ranchers
We are proud to support the families that work the land.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. to start your application by applying online using this link.
source
Pages read (7)
- https://www.myfm.bank/
- https://www.myfm.bank/agricultural-lending
- https://www.myfm.bank/personal/consumer-loans
- https://www.myfm.bank/business/business-loans
- https://www.myfm.bank/personal/consumer-credit-cards
- https://www.myfm.bank/business/business-credit-cards
- https://www.myfm.bank/personal/consumer-loans/mortgages
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$11 million in 10 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 1998 | Bank Enterprise Award Program | $3,750 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Fm Bank And Trust (FDIC cert 1027). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.4 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 16 in 2 states (as of 30 Oct 2026) |
Offices by state and county (16)
Arkansas (9 offices)
- Clay County (3): 182 N 2nd Ave, Piggott 72454; 271 W Cherry St, Piggott 72454; 400 S Main St, Rector 72461
- Mississippi County (6): 400 W Main St, Blytheville 72315 (main office); 3824 E Main St, Blytheville 72315; 203 S Air Base Hwy, Gosnell 72315; 100 North Main Street, Leachville 72438; 3626 W State Highway 18, Manila 72442; 1 Park St, Wilson 72395
Missouri (7 offices)
- Butler County (1): 2910 Barron Rd, Poplar Bluff 63901
- Cape Girardeau County (3): 2 S Mount Auburn Rd, Cape Girardeau 63703; 800 N Kingshighway St, Cape Girardeau 63701; 2480 E Main St, Jackson 63755
- Dunklin County (2): 500 Independence Ave, Kennett 63857; 1009 N Douglass St, Malden 63863
- Stoddard County (1): 310 N Walnut St, Dexter 63841
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Fm Bank And Trust (RSSD 33147, FDIC cert 1027). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.12 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 140.8% from $466.4 million on 30 Jun 2025 |
| Total assets | $1.36 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $328.8 million | 29.3% |
| Home equity lines of credit | $8.4 million | 0.8% |
| Commercial real estate, construction and multifamily | $310 million | 27.6% |
| Commercial and industrial (business) loans | $132.5 million | 11.8% |
| Farmland and farm production loans | $305.8 million | 27.2% |
| Consumer loans (credit cards, auto, other) | $30.6 million | 2.7% |
| All other loans and leases | $6.8 million | 0.6% |
Within consumer loans: auto loans $19.4 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 180 loans $14.7 million | 770 loans $17.1 million |
| $100,001 to $250,000 | 137 loans $17.6 million | 117 loans $12.4 million |
| $250,001 to $1 million | 120 loans $42.5 million | 111 loans $38.4 million |
| All small business loans | 437 loans $74.8 million | 998 loans $67.9 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 148 loans $8.6 million | 118 loans $7.1 million |
| $100,001 to $250,000 | 140 loans $18.2 million | 55 loans $5.7 million |
| $250,001 to $500,000 | 108 loans $30 million | 56 loans $11.2 million |
| All small farm loans | 396 loans $56.7 million | 229 loans $24.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.36 billion | Larger than 88% of the 25 other certified banks and bank holding companies in Arkansas (median $263.6 million). |
| Loans as a share of assets | 82% | Median of the same 25 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $466.4 million → $1.12 billion (+141%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 5 → 3. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 88% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 5 → 3 of 26 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Blytheville and Arkansas
- Farmers Bancorp, Inc.Bank holding company · Blytheville, ARAgriculture / farm loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bank of Lake VillageBank or thrift · Lake Village, ARAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Communities Unlimited, Inc.Loan fund · Fayetteville, ARAgriculture / farm loans, Home repair / improvement loans, Small-business loansVerified
- Connect BankBank or thrift · Star City, ARCommercial real estate loans, Equipment loans, Personal / consumer loans, Small-business loansVerified
- Cotton Belt FCUCredit union · Pine Bluff, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
Work at FM Bank and Trust? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.