Cara Knight


It’s the most wonderful time of the year, and Santa is coming to Farmers Bank & Trust! Mark your calendars to bring the family for hot cocoa, cookies, and a merry good time!

Texarkana, TX

38th Annual Main Street Christmas Parade
Monday, December 5 | 7 p.m.
This year’s parade route has changed! Click HERE for the new route.

Pictures with Santa
2900 Saint Michael Dr.
Friday, December 9 | 3 – 5 p.m.

Paris, TX

Pictures with Santa
1375 NE Loop 286
Wednesday, December 21 | 1 – 4 p.m.

Camden, AR

Pictures with Santa
116 Jefferson Dr. SW
Tuesday, December 20 | 10 a.m. – 2 p.m.

Hope, AR

Hope-Hempstead County Chamber Christmas Coffee
Wednesday, December 14 | 9:30 – 11 a.m.
201 East Third St.

Pictures with Santa
Tuesday, December 20 | 3 – 4:30 p.m.

Community Christmas Parade
*Farmers Bank & Trust is the Parade Presenting Sponsor!
Monday, December 5 | 6 p.m.
For more details, click HERE.

Prescott, AR

Prescott-Nevada County Chamber Christmas Coffee
Tuesday, December 13 | 9:30 – 11 a.m.
103 E 2nd St South

Prescott-Nevada County Christmas Parade – A Cowboy Christmas
Thursday, December 8 | Begins at 6 p.m.
215 East 2nd St. South
Click HERE for more details.

Magnolia, AR

Magnolia’s Christmas Parade – Magic of the Movies
Thursday, December 1 | 5 p.m.
Parade Route: Jackson Street
Click HERE for more details.

Bryant, AR

Pictures with Santa
Friday, December 23 | 11 a.m. – 2 p.m.
3345 AR-5 N Suite 100

Saline County Christmas Parade
Monday, December 5 | 6-7 p.m.
Downtown Benton

Mt. Ida, AR

Pictures with Santa
Friday, December 16 | 2:30 – 4:30 p.m.
221 George St.

Glenwood, AR

Pictures with Santa
Friday, December 9 | 2:30 – 4:30 p.m.
214 N 1st Street

To find a branch near you, visit HERE.


As we enter into a season of gratitude, this podcast episode is focused on our Bank interns! We’re thankful they chose to come and experience all departments at Farmers Bank & Trust.

While they’re here for the 12-week program, their main areas of focus are Retail and Lending. They spend a few days in other areas like Marketing, Human Resources, and Training. At the end, they complete a project to share takeaways with the Executive Management team. However, it’s not the banking experience they say impacted them the most.

Rocio Medina
Kade Schutte 
Chris Lyles

If you’re interested in an internship with Farmers Bank & Trust, be on the lookout for a posting on our website next Spring 2023 for a Summer internship opportunity.

Member FDIC | Equal Housing Lender


(L to R) Farmers Bank & Trust Hope Market President Jacob Jones, Blevins Fire Department Chief Tim Choate, Commercial Loan Officer and Blevins Volunteer Firefighter Janet Choate, Farmers Bank Foundation Executive Director Elizabeth Anderson
Farmers Bank Foundation has donated $5,000 to the Blevins Fire Department for equipment purchases at the all-volunteer agency.
The Blevins Fire Department will use the new funds to help outfit a department side-by-side ATV with life-saving fire and rescue attachments. These attachments will aid in hard-to-reach wilderness area calls.
The Blevins Fire Department is responsible for incidents across five square miles of primarily rural territory. It includes wooded areas that cannot be easily accessed by traditional fire trucks and roads. The Blevins Fire Department also responds to emergency incidents in nearby communities via mutual aid agreements.
“After we purchased the side-by-side, we had to equip it with medical and fire equipment,” said Janet Choate, firefighter and first responder at Blevins FD. “That means we had to get two separate units for emergency calls.”
The Blevins resident also noted that the new equipment would make first response times much faster and more efficient for hard-to-access incidents.
“Sometimes, we’ve even had to rely on other means of transportation to get to wildfires, but now we can get there and respond much quicker,” Choate added. “This donation will help our community and the surrounding areas immensely in search-and-rescues, wildfire suppression, and rural accidents. We appreciate Farmers Bank for supporting our volunteer fire department.”
Farmers Bank Foundation Executive Director Elizabeth Burns Anderson said: “It is always a pleasure to help local first responders in any way we can. We hope that these funds can make a real impact on fire and rescue efforts in Blevins and its neighboring communities.”

welcome to the farmers family

We’re so glad to have you on board!

It is always an exciting time for us at Farmers Bank & Trust when we add new members to our family!

Meet our newest additions:


Shelby Campbell – Customer Contact Center Rep in Texarkana, TX

Caleigh Fletcher – Teller in Paris, AR

Kezel Heard – Teller in Camden, AR

Haylie Hunger – PT Teller in Magnolia, AR

Mika Parker – Teller in Paris, AR

Shay Stout – Teller in Hope, AR

Erica Taylor – Customer Contact Center Rep in Texarkana, TX

Anna Thompson – Teller in Camden, AR


Tsavonti Daniels – Universal Supervisor in Paris, TX

Natasha Farley – Teller in Broken Bow, OK

Marielle Martin – Teller in Broken Bow, OK

Camryn Pratt – IT Systems PM Operator in Magnolia, AR

Taylor Neuman – Teller in Prosper, TX

Josh Williams – Mortgage Loan Originator in Paris, TX

Not pictured:

Courtney Dansby – Teller in Texarkana, TX


We cannot wait to see the talent, work ethic, and customer service these individuals will bring to our customers. No matter the role you take on at Farmers Bank & Trust, to us, you’re family!

Interested in joining our Team?

You can explore open opportunities and submit an application using our Careers Portal.

Join us at our upcoming Halloween community events!

Many Farmers Bank & Trust employees will be celebrating Halloween on Monday, October 31, 2022 by dressing up in costume and handing out candy. Be sure to stop by your local branch and see us!

Have a safe and Happy Halloween– from all of us at Farmers Bank and Trust!

Bryant/Benton, AR

Farmers Bank & Trust is a sponsor of the Monster Madness 5k & Kids Fun Run benefiting Bryant Boys & Girls Clubsand will have a booth at the event on Saturday, October 29th from 5-8 p.m. For a list of all Saline County Harvest & Halloween events, click HERE.

New Boston, TX

Farmers Bank & Trust is sponsoring the Chili Cook-Off at the New Boston Chamber of Commerce Fall Festival on Saturday, October 29th from 4-7 p.m.

Magnolia, AR

Farmers Bank & Trust in Magnolia located at 200 E Main Street will be a Safe Stop from 6-8 p.m.

Lewisville, AR

Farmers Bank & Trust will have a booth set up to pass out candy and cotton candy.

Nashville, AR / Malvern, AR / Ashdown, AR / Texarkana, TX & AR

Pumpkin Decorating Contests are happening inside the branch. If you’re local to one of these communities, stop in and vote for your favorite! Here are a few:

Texarkana, TX

Farmers Bank & Trust located at 5600 Richmond Road in Texarkana is hosting a Fun Friday from 3-5 p.m. with trick-or-treating, candy, and family fun activities. For a full list of fall festival and Halloween activities, visit Texarkana Parent’s guide HERE.

Hope, AR

Trunk or Treat downtown Main Street on Saturday, October 29th.

Malvern, AR

Farmers Bank & Trust will have a table set up at the “Fall”apalooza and will be handing out candy from 6-8 p.m.

Camden, AR

Cullendale Assembly of God located at 3250 Cash Rd. in Camden is hosting a Trunk or Treat from 5-8 p.m. with bouncy houses, carnival games, face painting, candy and Farmers Bank & Trust is sponsoring a petting zoo.

Mt. Ida, AR

Mount Ida Area Chamber of Commerce is hosting a Trunk or Treat on Monday, October 31st from 5:30-7:30 p.m. and Farmers Bank & Trust will be handing out treat bags.

Glenwood, AR

Glenwood Chamber of Commerce is hosting a Trunk or Treat on Monday, October 31 from 5-6:30 p.m. and Farmers Bank & Trust will be handing out treat bags.

Prosper, TX

The Brass Tap, located at 790 N Preston Road #80, right behind our Farmers Bank & Trust Prosper location, will be having a Halloween Party on Saturday, October 29th. There will be a costume contest at 7 p.m., live band at 8 p.m., candy for kids and a scary movie on a big screen at 11 p.m.


Tips & Tricks to have a safe and happy Halloween!

  • Stay alert for oncoming cars when walking through neighborhoods.
  • Cross the street at corners, using traffic signals and crosswalks.
  • Carry a flashlight or glow stick so you can see and be seen better by drivers.
  • If you’re driving, slow down in residential neighborhoods.
  • Eliminate distractions while driving.
  • Sort and check candy for expiration dates and any sign of tampering.

We hope you have a spooky fun Halloween!

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It’s easy to get started. You can log into MyFarmers Mobile or MyFarmers Online Banking to use this FREE service and enroll.

Member FDIC | Equal Housing Lender

Home equity…Everybody wants it, but what exactly is it, and how do you get it?

Equity represents the degree of ownership an individual or entity has in an asset after subtracting any debts against the asset. To say someone shares equity in a company means they would share in any assets remaining after all debts are accounted for.

For example, if your business has sold $500,000 worth of product this year, but you have rent, operating expenses, and a business loan payment totaling $400,000 for the year, you have $100,000 of equity in your business. Equity changes as the value of your assets and debts change.

Home equity works the same way. When you take out a mortgage to purchase a home, your home is collateral on the mortgage loan, so the outstanding mortgage principal must be deducted from the value of the home to determine your home equity.

In most cases, you make a down payment when you purchase your home. That down payment is your initial home equity. If you pay a 20% down payment on a $200,000 home, you have $40,000 equity when you close on your purchase.

Your Equity Grows

As time goes on and you continue to pay down your mortgage principal, your equity grows. Usually, the longer your own your home, the more equity you gain because you are paying down your mortgage. However, any debts you take on using your home value as collateral, such as a second mortgage or home equity line of credit (HELOC), decrease your home equity.

The changing real estate market also influences your equity. If you paid $200,000 for your home, and two years later the homes in your neighborhood start selling in the $400,000 range, your theoretical equity increases. (Theoretical because you don’t realize your home equity until you sell your home and pay off all debts against it.) You can also lose equity if the market takes a dive but be patient and it should recover in time.

Equity also grows if you make improvements on your home that increase its value. Let’s say you add a swimming pool and all new appliances. You have increased the value of the home. Your equity doesn’t increase by the amount you spent on the improvements, but on the value you get upon resale. This is an important point when considering making improvements prior to putting your home on the market, and one that is often misunderstood.

Let’s say Joe spends $50,000 on upgrades to his home. He might tell his neighbor, “I have $50,000 in my home,” but when he goes to sell, the current market dictates how much he will actually get in return. If Joe ends up selling for $40,000 more than he originally paid, his $50,000 investment got him $40,000 in home equity.

Some things you can do to increase your home equity include:

1) Make a large down payment when you purchase your home. The more cash you put down, the more equity you begin with.

2) Make increased or extra payments on your mortgage principal. Adding to the principal portion only on your monthly payments, or making extra payments when you are able, helps chip away at your outstanding debt.

3) Be smart when making home improvements. Not all improvements build equity. Some improvements may be personal preferences that don’t necessarily add value for resale. Improvements such as a new HVAC system, new appliances, or a new roof are usually more reliable investments than a fountain in the front yard or surround sound speakers throughout the house.

4) Don’t borrow against your home equity unless you must. Home equity is often a homeowner’s biggest asset, and can help to build your retirement nest egg, but it can also come in handy if life throws you a curve ball and you need to borrow against it for an unforeseen emergency. Be careful not to borrow against your equity for frivolous purposes, so it will be there if you really need it. Only use it to pay off debt that is higher interest or higher monthly payment.

5) Sell when the market is favorable. If you are counting on your home equity to help finance your next home, pay for your children’s education, or add to your retirement funds, try to sell during a seller’s market when inventory is needed in your area.

Need to talk to a lender? Start your application HERE.

Member FDIC | Equal Housing Lender

Every day, thousands of people fall victim to fraudulent emails, texts, and calls from scammers pretending to be their bank. And in this time of expanded use of online banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $5.8 billion to these phishing schemes and other fraud in 2021 — an increase of more than 70 percent over 2020.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. And at Farmers Bank & Trust, we’re committed to helping you spot them as an extra layer of protection for your account. We’ve teamed up with the American Bankers Association and banks across the country in a nationwide effort to fight phishing—one scam at a time.

We want every bank customer to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know what sounds suspicious, you’ll be less likely to be fooled.

These top 4 phishing scams are full of red flags:

Text Message: If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks never ask that.

Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from your bank, but it’s a scam. Banks never ask that.

Phone Call: Would your bank ever call you to verify your account number. No! Banks never ask that. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.

• Payment Apps: Beware of text messages from someone claiming to be your bank saying your account has been hacked. The scammer may ask you to send money to a new account they’ve created for you, but that’s a scam! Banks never ask that.

You’ve probably seen some of these scams before. But that doesn’t stop a scammer from trying. For more tips on how to keep phishing criminals at bay, including videos, an interactive quiz, and more, visit www.BanksNeverAskThat.com. Be sure to share the webpage with your friends and family.

Farmers Bank & Trust is going pink in October to support the many families and friends we have in our communities fighting cancer. Throughout our 32 locations in Arkansas, Texas, and Oklahoma, we are accepting donations for our employees who are currently receiving treatments and have immediate family members impacted by cancer.

Many of our branches are hosting their own giveaways and bake sales to raise money throughout the month of October.


Bake Sale – Friday, October 7th


Bake Sale – Friday, October 7th
Giveaway for two custom wreaths and a fall table centerpiece


Assorted Gift Card Giveaway


Bake Sale – Friday, October 7th


Fall Gift Baskets Giveaway
4 gift baskets total


Backpack Kooler Chair Giveaway


Pink Igloo Giveaway
One cooler given away at each location


Bake Sale – Friday, October 7th


Bake Sale – Friday, October 14th


Bake Sale – Friday, October 7th


Walmart Gift Card Giveaway


Bake Sale – Friday, October 7th


RTIC Cooler Giveaway
Bake Sale – Friday, October 7th


All branch locations will be accepting donations. To find a location near you, visit HERE.

Listen to our Right at the Heart Podcast episode featuring Breast Cancer Survivor Kim McDaniel of New Boston, Texas HERE.

The Farmers Bank & Trust Board of Directors recently announced the addition of Sonja Hubbard as a Director. In addition, Mrs. Hubbard will serve as the Audit committee chair for the Bank. While Farmers Bank is majority female-owned, Sonja will be the first female to serve on the Board of Directors.  

 “Adding Sonja Hubbard to our Farmers Bank & Trust Board of Directors is an enormous win for the Bank,” said Farmers Bank & Trust Chief Executive Officer and Chairman of the Board, Chris Gosnell. “Sonja’s proven leadership and an extensive list of national accomplishments will be tremendously valuable as we look to the future of the Bank.” 

Reared in Ashdown, Arkansas, Sonja Hubbard is a Certified Public Accountant who received her Bachelor of Science in Business Administration from the University of Arkansas in Fayetteville. Sonja Hubbard is currently a Principal for the Yates Group, Inc., which manages retained assets from E-Z Mart Stores, Inc., where she was formerly CEO for 20 years. The family-owned convenience store assets were sold in 2018.   

Sonja was named the 1999 Outstanding CPA in Business & Industry by the Arkansas Society of CPAs, the 2009 Accountant of the Year in Industry/Government by the University of Arkansas and was recognized as a Woman of Influence in the Food Industry by the Griffin Report. She was inducted into CSN’s Convenience Store Hall of Fame in 2010 and, the same year, received the Texarkana Regional Arts & Humanities Hero Award for Leadership. She received the C.E. Palmer Achievement Award and Leadership Texarkana’s Idalee Hawkins Leader of the Year recognition in 2019.  

Sonja has served as a member of the Board of Directors for the Federal Reserve Bank of St. Louis after serving as a Director and President of the Little Rock Branch of the Bank. From 2009-2010 she served as Chairman of the National Association of Convenience Stores, representing the nation’s 152,000 stores and its members. She was the first woman and legacy, following her father’s footsteps, to serve in this capacity. Sonja is also a director for Opportunities, Inc., CHRISTUS Northeast Texas, Arkansas Research Alliance, Arkansas Children’s Hospital Board and Foundation, UAMS Fund Foundation, University of Arkansas Accounting Advisory Board, AR-TX Regional Economic Development Incorporated, and Riverbend Water District.  

Sonja Hubbard resides in Texarkana, Texas, with her husband, Bob Hubbard, and they have one daughter, Lauren, who lives in New York City.  

“When my parents, Jim and FaEllen Yates, founded E-Z Mart in 1970, they were young, visionary entrepreneurs but not wealthy. They relied on the support of community banks, including Farmers Bank & Trust, to get them started. Farmers financed stores #25 and #26 in Magnolia, Arkansas beginning a relationship that continued for many decades, meeting many more expansion needs. Having lived and seen the value of these relationships, I am excited to now be able to serve and support from the other side of the relationship.” says Hubbard.