Fm Bank And Trust on Your Credit Report
In short: Fm Bank And Trust traces its charter to 1908 and appears in the FDIC's records under certificate 1027, a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator with its headquarters in Blytheville, AR. The most recent call report, dated 06/30/2026, puts it at $1.4 billion in total assets across 16 FDIC-reported offices. Where Fm Bank And Trust reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Fm Bank And Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 1027 identifies Fm Bank And Trust of Blytheville, AR, chartered March 16, 1908. As of the 06/30/2026 call report it carried $1.4 billion in total assets and 16 FDIC-reported offices — roughly $85 million per office — as a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
How Fm Bank And Trust appears on your credit report
Fm Bank And Trust runs 16 FDIC-reported offices against $1.4 billion in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Overdraft lines of credit attached to a Fm Bank And Trust checking account
- ◆Home-equity lines and mortgage accounts serviced under the Fm Bank And Trust name
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a Fm Bank And Trust entry
Each of these is a reason a Fm Bank And Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between Fm Bank And Trust systems after a core conversion and duplicated
- ◆Payment posted at a Fm Bank And Trust office in Blytheville but reported late because of a processing-date mismatch
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Fm Bank And Trust is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Fm Bank And Trust has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Fm Bank And Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Fm Bank And Trust questions, answered
Is Fm Bank And Trust FDIC-insured, and what is its certificate number?
Yes. Fm Bank And Trust holds FDIC certificate 1027. The FDIC record shows a charter established March 16, 1908, headquarters in Blytheville, AR, and 16 FDIC-reported offices with $1.4 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates Fm Bank And Trust, and where do I escalate if a dispute fails?
Fm Bank And Trust is a state-chartered bank that is a member of the Federal Reserve System, which makes the Federal Reserve its primary federal regulator alongside the AR state banking department. If disputes fail, complaints can go to the Federal Reserve, the state regulator, or the CFPB. The supervisory route differs from a national bank's, though your FCRA §611 and §623 rights are identical either way.
How old is the Fm Bank And Trust charter, and why does that matter for my credit report?
Fm Bank And Trust was chartered in 1908, before or around the creation of federal deposit insurance in 1933. Institutions of this vintage have usually absorbed other banks along the way, which matters on a credit report because an account can still carry a predecessor's name in the furnisher field. If the name on the tradeline does not match the bank you deal with today, that is worth clarifying in writing before disputing the substance.
How big is Fm Bank And Trust, and what does that mean for disputing an account?
Fm Bank And Trust reports $1.4 billion across 16 FDIC-reported offices — roughly $85 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute a Fm Bank And Trust account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Fm Bank And Trust as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Fm Bank And Trust can verify, and results vary from case to case.
Does AR law change anything about a Fm Bank And Trust account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Fm Bank And Trust being headquartered in Blytheville, AR does not make AR law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Fm Bank And Trust account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Fm Bank And Trust account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If Fm Bank And Trust or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does Fm Bank And Trust appear in the CFPB complaint database?
We do not publish a complaint figure for Fm Bank And Trust. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 1027, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Fm Bank And Trust and disputing with a collection agency?
Fm Bank And Trust is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Fm Bank And Trust; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Fm Bank And Trust; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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