BlastPoint's Banking Scorecard
First Farmers and Merchants Bank
Designations: ✓ Community bank
Columbia, TN
24 branches across TN
First Farmers and Merchants Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28.2% in tier
- + Loan-to-Deposit Ratio 21.43% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.2% in tier
- - Credit Quality Pressure: Bottom 3.9% in tier
- - ROA 0.12% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 0.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+1.1% YoY
+0.5% QoQ
|
-$1.0B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$1.0B
+1.0% YoY
+0.7% QoQ
|
-$959.6M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.6B
-0.3% YoY
+0.5% QoQ
|
-$742.0M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.25%
+20.1% YoY
+15.9% QoQ
|
-0.12% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.57%
+14.7% YoY
+8.0% QoQ
|
-0.25% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
61.54%
-3.7% YoY
-5.5% QoQ
|
+0.48% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.13%
+2.9% YoY
-15.9% QoQ
|
-0.76% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 14.5% in tier |
| Loan-to-Deposit Ratio ? |
62.77%
+1.3% YoY
+0.2% QoQ
|
-21.43% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Top 10.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.79%
+4.0% YoY
+1.2% QoQ
|
+9.50% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Top 14.5% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+17.9% YoY
-15.3% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 12.0% in tier |
| Tier 1 Capital Ratio ? |
17.59%
+5.5% YoY
+0.6% QoQ
|
+2.43% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 13.0% in tier |
| Non-Interest Income / Assets ? |
0.18%
-5.8% YoY
-76.2% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.