Question 1

What is FBT Bank & Mortgage?

Accepted Answer

FBT Bank & Mortgage is a community-focused state-chartered bank serving southeast Arkansas. With approximately $258 million in total assets and five full-service branches plus one loan processing office, the bank provides comprehensive banking services to individuals, families, and businesses throughout Jefferson, Dallas, and Cleveland Counties.

Originally established as Fordyce Bank & Trust, the institution has maintained its core mission for over 90 years: simplifying customers' lives through personalized banking services and building lasting relationships within the communities it serves.

Question 2

When was FBT Bank & Mortgage founded?

Accepted Answer

FBT Bank & Mortgage was founded in 1931 as Fordyce Bank & Trust Company. The bank was chartered during the Great Depression to provide banking services in an area experiencing economic hardship and to fill a void in the southeast region of Arkansas. At that time, many community members had to travel significant distances to access banking services.

The bank's founders established the institution with a focus on simplifying customers' lives and providing essential financial services during one of the most challenging periods in American economic history. Despite the difficult economic environment of the early 1930s, Fordyce Bank & Trust successfully served its community and laid the foundation for over nine decades of continuous operation.

The institution's name changed from Fordyce Bank & Trust to FBT Bank & Mortgage to reflect its expansion beyond Fordyce to serve customers throughout the broader southeast Arkansas region.

Question 3

Where is FBT Bank & Mortgage headquartered?

Accepted Answer

FBT Bank & Mortgage is headquartered in Fordyce, Arkansas, located in Dallas County. The main office is situated at 200 West 4th Street in Fordyce, where the bank has maintained its headquarters since its founding in 1931.

Question 4

Where does FBT Bank & Mortgage operate?

Accepted Answer

FBT Bank & Mortgage operates throughout southeast Arkansas, with a concentration in Jefferson, Dallas, and Cleveland Counties. The bank maintains six locations across the region:

Fordyce serves as the headquarters and primary banking center in Dallas County. Rison provides banking services in Cleveland County. Pine Bluff represents the bank's presence in Jefferson County, Arkansas's tenth-largest city and a regional economic center. Watson Chapel serves the Watson Chapel community in Jefferson County. White Hall provides convenient banking access in Jefferson County.

Additionally, the bank operates a loan processing office to support its mortgage lending operations. This multi-county footprint allows FBT Bank & Mortgage to serve diverse communities throughout southeast Arkansas while maintaining the personalized service of a community bank.

Question 5

What services does FBT Bank & Mortgage offer?

Accepted Answer

FBT Bank & Mortgage offers a comprehensive range of banking products and services designed to simplify the financial lives of personal and business customers.

Personal Banking Services include various checking and savings account options, certificates of deposit, money market accounts, individual retirement accounts, and personal financial management tools. The bank emphasizes accessible, straightforward products that meet everyday banking needs.

Mortgage Lending represents a core competency, as reflected in the bank's name. FBT Bank & Mortgage provides residential mortgage loans, home equity loans, home equity lines of credit, and refinancing options. The bank's experienced mortgage professionals guide customers through the lending process with personalized attention.

Consumer Lending products include auto loans, personal loans, credit cards, and other consumer financing options tailored to individual needs and circumstances.

Business Banking Services feature business checking and savings accounts, commercial real estate loans, business operating loans, equipment financing, commercial lines of credit, and cash management services. The bank understands the unique needs of small and medium-sized businesses in southeast Arkansas.

Digital Banking capabilities are available through www.fbtbank.com, offering online banking, mobile banking, bill payment services, mobile check deposit, and account management tools. These digital services provide modern convenience while maintaining the personal relationships customers expect from a community bank.

Question 6

What makes FBT Bank & Mortgage unique?

Accepted Answer

FBT Bank & Mortgage distinguishes itself through several characteristics that reflect its history, mission, and community commitment.

Depression-Era Founding: Established during the Great Depression in 1931, the bank demonstrated from its inception a commitment to serving communities during challenging times. This founding during economic hardship instilled conservative management practices and a deep understanding of customers' financial challenges.

Longevity and Stability: With over 90 years of continuous service, FBT Bank & Mortgage has demonstrated remarkable staying power in an industry that has experienced significant consolidation. The bank has successfully navigated the Great Depression, multiple recessions, the savings and loan crisis, and the 2008 financial crisis.

Mission of Simplification: The bank's core mission—simplifying customers' lives—represents more than marketing language. This philosophy guides product development, service delivery, and customer interactions, ensuring that banking remains accessible and understandable rather than complicated and confusing.

Community Development Focus: FBT Bank & Mortgage received recognition and funding from the Community Development Financial Institutions (CDFI) Fund, receiving a Bank Enterprise Award (BEA) allocation of $280,369 in 2024. This designation recognizes the bank's commitment to supporting economic development in underserved communities.

Strong Financial Performance: The bank demonstrates solid financial metrics with a Return on Assets (ROA) of 1.14% and Return on Equity (ROE) of 21.09%, indicating effective management and profitability that supports continued community investment.

Regional Expansion: While maintaining its community banking focus, the bank has thoughtfully expanded from its Fordyce roots to serve six locations across three counties, bringing convenient banking services to communities throughout southeast Arkansas.

Question 7

What type of financial institution is FBT Bank & Mortgage?

Accepted Answer

FBT Bank & Mortgage is a State-Chartered Community Bank operating under Arkansas banking regulations and FDIC supervision. The bank is not a member of the Federal Reserve System, instead functioning as a state-chartered commercial bank supervised by the Arkansas State Banking Board and the FDIC.

As a community bank, FBT Bank & Mortgage operates under a business model that emphasizes local ownership, local decision-making, and reinvestment in the communities it serves. The bank is organized as a corporation (incorporated March 21, 1983) and operates through its parent company, FBT Bancshares, Inc.

The community bank structure allows FBT Bank & Mortgage to make lending decisions based on local knowledge and relationships rather than standardized formulas applied by distant corporate offices. This flexibility proves particularly valuable in rural and small-town markets throughout southeast Arkansas, where understanding local economic conditions and customer circumstances often matters more than credit scores alone.

The bank's recognition as a Bank Enterprise Award recipient from the CDFI Fund further emphasizes its role as a community development-focused institution committed to serving all segments of its market, including low- and moderate-income communities that may be underserved by larger financial institutions.

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