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FBT Bank & Mortgage Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

FBT Bank & Mortgage rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not FBT Bank & Mortgage, and you can see how they compare in the FBT Bank & Mortgage rate tables below. MonitorBankRates evaluates the financial stability of FBT Bank & Mortgage with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.95%. Database rates last updated and verified on 08/29/2026.

FBT Bank & Mortgage money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FBT Bank & Mortgage? Share your experience about FBT Bank & Mortgage by leaving a review below, or read customer reviews before you decide to use FBT Bank & Mortgage.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
4.8
Excellent Out of 5.0 Stars
Texas Ratio ?
5.95%
Excellent Higher than avg
FBT Bank & Mortgage
200 W 4th St
Fordyce, AR 71742
https://www.fbtbank.com
Member FDIC

Current Rate Availability

We're not currently displaying rates for FBT Bank & Mortgage, but our database is updated constantly — check back soon for the latest offers.

Are you with FBT Bank & Mortgage? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FBT Bank & Mortgage is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FBT Bank & Mortgage rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FBT Bank & Mortgage's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FBT Bank & Mortgage
Bank Holding Company FBT BANCSHARES INC
Address 200 W 4th St, Fordyce, AR 71742  ·  Dallas
Website https://www.fbtbank.com
FDIC Certificate # 1028
Established 01/06/1931
FDIC Insurance Date 01/01/1934
Domestic Offices 5
Total Branches 5
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
4.8
Excellent Out of 5.0 Stars
5.95%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.6400%
Return on Equity (ROE) 33.0000%
Non-Performing Loans (NPL) 0.27%
Total Assets $246,823,000
Total Deposits $217,660,000
Equity Capital $16,746,000
Net Income $1,977,000
Headquarters Fordyce
Total Branches and Offices 5
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

FBT Bank & Mortgage earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FBT Bank & Mortgage yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About FBT Bank & Mortgage

How many branches does FBT Bank & Mortgage operate?

FBT Bank & Mortgage currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FBT Bank & Mortgage does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FBT Bank & Mortgage provides members with tools to manage their accounts and build a solid financial history.

Does FBT Bank & Mortgage offer online and mobile banking?

Most modern institutions like FBT Bank & Mortgage provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fbtbank.com.

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