Farmers Bank (Parsons, TN)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank is an FDIC-insured commercial bank headquartered in Parsons, TN, established in 1907 (FDIC certificate 8661), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $94.8M, up 32.3% from Q2 2025, the 106th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8661
- Headquarters
- Parsons, TN
- Established
- 1907
- Total assets, Q2 2026
- $94.8M
- Assets vs Q2 2025
- +32.3%
- Tier 1 leverage ratio, Q2 2026
- 9.06%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 084303008
- Holding company
- TOWNSEND FINANCIAL CORPORATION
- Asset rank in state
- 106th of 109 in Tennessee
Farmers Bank earns an unusually wide margin on its lending. Based in Parsons, Tennessee, it had $95 million in assets at June 30, 2026, up 32.3% from a year earlier. It keeps 5.56 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it pays an average of 3.06% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Earnings fell sharply: quarterly net income of $56,000 was 35% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.31% of loans, down from 0.41% a year earlier. Where it has less room is capital: it funds 9.06% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
As of June 30, 2026, Farmers Bank reported a return on assets of 0.24%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 6.48%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers Bank is the 106th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 14.6% to $94.8M, loans rose 5.7% and deposits rose 16.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 58.1% of total loans, followed by construction and land development loans at 22.8%. The FDIC Summary of Deposits lists a single office for it, in Parsons, TN. Judged on its Q2 2026 call report, Farmers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 29 E Main St, Parsons, TN 38363
- County
- Decatur
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 9, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $85.8M
- Allowance for credit losses
- $823K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $91.9M
- Average total loans
- $75.8M
- Average interest-bearing deposits
- $66.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8661
- Fed RSSD
- 524757
- Website
- www.farmers-bank.com →
- Parent Holding Company
- TOWNSEND FINANCIAL CORPORATION (RSSD 1095807)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers Bank's total assets moved between a low of $53.1M (Q1 2024) and a high of $94.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$94.8M total assets against $71.6M; $86.5M total liabilities against $64.9M.
$76.5M net loans and leases against $57.5M; $85.8M total deposits against $64.3M.
$2.3M securities against $8.0M; $13.1M cash and balances due against $3.7M.
$1.8M total interest income against $1.3M; $608K total interest expense against $461K.
$1.2M net interest income against $861K.
$137K total noninterest income against $16K; $1.2M total noninterest expense against $675K.
$60K provision for credit losses against $29K.
$56K net income against $86K.
0.24% return on assets against 0.48%; 5.56% net interest margin against 5.13%.
9.06% tier 1 leverage ratio against 9.44%.
Inside the full Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q1 2026) to 0.77% (Q3 2024) and its net interest margin ran from 4.88% (Q3 2024) to 5.81% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.06% | 0.24% | 0.31% | 6.48% | 5.56% |
| Q1 2026 | 10.00% | 0.21% | 0.77% | 6.24% | 5.12% |
| Q4 2025 | 9.98% | 0.59% | 0.89% | 6.66% | 5.58% |
| Q3 2025 | 10.91% | 0.66% | 0.00% | 0.01% | 5.81% |
| Q2 2025 | 9.44% | 0.48% | 0.41% | 3.27% | 5.13% |
| Q1 2025 | 9.62% | 0.57% | 0.00% | 0.00% | 5.06% |
| Q4 2024 | 9.27% | 0.70% | 0.17% | 1.14% | 4.91% |
| Q3 2024 | 9.77% | 0.77% | 0.36% | 2.34% | 4.88% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers Bank (main office) | Parsons , TN | 38363 | $85.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 142 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $210K approved, $210K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Bank
What are Farmers Bank's total assets?
As of the Q2 2026 filing, Farmers Bank reported total assets of $94.8 million in its FFIEC call report.
Where is Farmers Bank headquartered?
It is headquartered in Parsons, TN, United States.
When was Farmers Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank?
Farmers Bank's primary federal regulator is the Federal Reserve.
How many branches does Farmers Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank's Texas Ratio?
Its Texas Ratio is 6.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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