PUTNAM 1ST MERCANTILE BANK

Latest Report: 2025-12-31

PUTNAM 1ST MERCANTILE BANK is asn small FDIC-insured commercial bank headquartered in COOKEVILLE, TN, established in Nov. 28, 2005, midnight. As of 2025-12-31, the bank reported total assets of $171M and total deposits of $153M. Profitability stands at 1.79% ROA and 18.64% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 9.52%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #58079.

Assets

$171M

Deposits

$153M

Loans

$142M

Equity

$16M

Profitability

Return on Assets (ROA) 1.79%

Return on Equity (ROE) 18.64%

Net Interest Margin (NIM) 4.37%

Yield on Assets 7.01%

Cost of Funds 2.72%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio 0.00%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.54%

Capital & Liquidity

CET1 Ratio 9.52%

Tier 1 Capital 9.52%

Total Capital Ratio 10.00%

Leverage Ratio 11.88%

Loan-to-Deposit 93.06%

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