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First Farmers and Merchants Bank

$1B-$10B Specialty: Commercial TN FDIC cert 1487

Designations: ✓ Community bank

Columbia, TN

23 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits -0.1% year over year ($1.6B on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.27%.
  • Efficiency ratio 61.70% vs a 59.73% peer average.
  • Loan-to-deposit ratio 65.82% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

First Farmers and Merchants Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 32.6% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.12% below tier average
  • - Net Interest Margin 0.22% below tier average
  • - Efficiency Ratio 1.97% above tier average
Get updates when First Farmers and Merchants Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.8B
+1.1% YoY -1.8% QoQ
-$1.0B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $1.0B
+3.4% YoY +2.5% QoQ
-$933.1M $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $1.6B
-0.1% YoY -2.3% QoQ
-$753.7M $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.27%
+20.8% YoY +1.5% QoQ
-0.12% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.65%
+14.8% YoY +2.3% QoQ
-0.22% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 61.70%
-4.8% YoY +0.3% QoQ
+1.97% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.12%
-6.8% YoY -6.9% QoQ
-0.74% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 14.6% in tier
Loan-to-Deposit Ratio ? 65.82%
+3.4% YoY +4.8% QoQ
-19.22% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Top 11.3% in tier
Non-Interest-Bearing Deposit Share ? 30.86%
+3.1% YoY +0.2% QoQ
+9.59% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
Top 13.7% in tier
Nonperforming Asset Ratio ? 0.08%
+8.0% YoY -3.9% QoQ
-0.59% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Top 13.1% in tier
Tier 1 Capital Ratio ? 17.56%
+3.2% YoY -0.2% QoQ
+2.72% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 12.5% in tier
Non-Interest Income / Assets ? 0.39%
-1.3% YoY +115.2% QoQ
-0.14% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 30.9%
+0.9pp YoY
+0.1pp QoQ
 +9.5pp 21.4% 18.8% 22.2% 86%
Brokered Deposits 3.4%
-0.9pp YoY
+0.3pp QoQ
 -6.1pp 9.5% 9.4% 8.5% 37%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 11.0%
+2.3pp YoY
+1.9pp QoQ
 -3.0pp 14.0% 10.9% 12.5% 48%
CRE 52.5%
+1.2pp YoY
-0.2pp QoQ
 +2.4pp 50.0% 42.4% 41.4% 58%
1-4 Family 30.4%
-2.7pp YoY
-1.5pp QoQ
 +3.9pp 26.4% 39.8% 31.3% 67%
Consumer 0.9%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.7% 4.5% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 17.6%
+0.5pp YoY
0.0pp QoQ
 +2.0pp 15.6% 14.8% 19.7% 86%
Leverage Ratio 11.2%
+0.7pp YoY
+0.2pp QoQ
 -0.1pp 11.3% 11.4% 12.6% 64%
Total Capital Ratio 18.3%
+0.5pp YoY
0.0pp QoQ
 +1.6pp 16.7% 15.9% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 261
+7 (+2.8%) YoY
+3 (+1.2%) QoQ
 -53 313 270 482 58%
Assets per Employee ($) $6.8M
-1.6% YoY
-2.9% QoQ
 -$3.7M $10.5M $7.1M $8.8M 21%
Branch Count 23
-1 (-4.2%) YoY
-1 (-4.2%) QoQ
 +3 20 17 18 72%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.7% 1.0% 14%
Allowance Coverage 6.41x
+3.2% YoY
+6.4% QoQ
 -12.30x 18.71x 28.97x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 12.9%
+0.4pp YoY
0.0pp QoQ
 +0.3pp 12.6% 10.9% 11.6% 56%
Cost of Funds (YTD) 0.7%
-0.2pp YoY
0.0pp QoQ
 -1.2pp 1.9% 2.0% 1.7% 2%
Net Income ($, YTD) $11.3M
+22.2% YoY
— QoQ
 -$7.9M $19.2M $16.7M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#73 of 221 • Top 32.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

101
Loan-to-Deposit Ratio
liquidity
Value: 65.82%
Peer Median: 85.04%
#101 of 885 Top 11.3% in $1B-$10B
112
Tier 1 Capital Ratio
capital
Value: 17.56%
Peer Median: 14.84%
#112 of 885 Top 12.5% in $1B-$10B
117
Nonperforming Asset Ratio
credit_quality
Value: 0.08%
Peer Median: 0.67%
#117 of 885 Top 13.1% in $1B-$10B
122
Non-Interest-Bearing Deposit Share
funding
Value: 30.86%
Peer Median: 21.27%
#122 of 885 Top 13.7% in $1B-$10B
130
Delinquency Rate
credit_quality
Value: 0.12%
Peer Median: 0.87%
#130 of 882 Top 14.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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