FARMERS BANK, THE

PORTLAND, TN | Medium | Est. July 12, 1912, midnight | FDIC #1696 | RSSD #901938 | FDIC
Latest Report: 2025-12-31

FARMERS BANK, THE is amn medium FDIC-insured commercial bank headquartered in PORTLAND, TN, established in July 12, 1912, midnight. As of 2025-12-31, the bank reported total assets of $934M and total deposits of $797M. Profitability stands at 1.67% ROA and 12.39% ROE, with a net interest margin of 4.86%. The bank's CET1 capital ratio is 20.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 2.23%. FDIC Certificate #1696.

Assets

$934M

Deposits

$797M

Loans

$613M

Equity

$126M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 12.39%
Net Interest Margin (NIM) 4.86%
Yield on Assets 6.45%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.23%
NPA Ratio 0.32%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 20.17%
Tier 1 Capital 20.17%
Total Capital Ratio 21.38%
Leverage Ratio 14.93%
Loan-to-Deposit 76.97%

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