The Farmers Bank (Portland, TN)
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Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank is an FDIC-insured commercial bank headquartered in Portland, TN, established in 1912 (FDIC certificate 1696), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $942.8M, up 5.9% from Q2 2025, the 35th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 20.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1696
- Headquarters
- Portland, TN
- Established
- 1912
- Total assets, Q2 2026
- $942.8M
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 20.50%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 064105336
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank call report
- Holding company
- FIRST FARMERS BANCSHARES, INC.
- Asset rank in state
- 35th of 109 in Tennessee
The Farmers Bank carries far more capital than most banks of its size. Its balance sheet stood at $943 million at June 30, 2026, up 5.9% from a year earlier; it is based in Portland, Tennessee. It funds 15.09% of its assets with Tier 1 capital, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.53% of loans, down from 0.69% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $25 million equal 17% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, The Farmers Bank reported a CET1 capital ratio of 20.50%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 2.46%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, The Farmers Bank is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $942.8M, loans rose 0.5% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.9% of total loans, ahead of construction and land development loans at 22.1%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in TN; its Portland office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Farmers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 Village Dr, Portland, TN 37148
- County
- Sumner
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 1912
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 156
- Domestic deposits
- $800.0M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $322K
- Average total assets
- $975.2M
- Average total loans
- $628.9M
- Average interest-bearing deposits
- $601.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1696
- Fed RSSD
- 901938
- Website
- www.thefarmersbank.net →
- Parent Holding Company
- FIRST FARMERS BANCSHARES, INC. (RSSD 1086122)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers Bank's total assets ranged from $827.4M (Q1 2024) to $950.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$942.8M total assets against $890.5M; $812.4M total liabilities against $776.8M.
$621.1M net loans and leases against $589.6M; $800.0M total deposits against $759.9M.
$228.5M securities against $220.0M; $33.2M cash and balances due against $23.3M.
$13.9M total interest income against $13.2M; $3.3M total interest expense against $3.4M.
$10.6M net interest income against $9.8M.
$1.6M total noninterest income against $2.9M; $7.0M total noninterest expense against $7.1M.
$115K provision for credit losses against $620K.
$3.9M net income against $3.8M.
1.60% return on assets against 1.64%; 4.69% net interest margin against 4.58%.
20.50% CET1 capital ratio against 19.56%; 15.09% tier 1 leverage ratio against 14.73%.
Inside the full The Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers Bank rankings
Its closest position to the top of a national ranking is 310 of 2,134, for CET1 ratio; its furthest is 2,064 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q4 2024) to 1.65% (Q3 2025) and its net interest margin ran from 4.44% (Q4 2024) to 4.83% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.50% | 1.60% | 0.53% | 2.46% | 4.69% |
| Q1 2026 | 20.18% | 1.63% | 0.58% | 2.76% | 4.55% |
| Q4 2025 | 20.17% | 1.61% | 0.49% | 2.27% | 4.66% |
| Q3 2025 | 20.13% | 1.65% | 0.07% | 0.34% | 4.83% |
| Q2 2025 | 19.56% | 1.64% | 0.69% | 3.46% | 4.58% |
| Q1 2025 | 19.22% | 1.52% | 1.13% | 5.78% | 4.51% |
| Q4 2024 | 19.49% | 1.50% | 1.25% | 6.43% | 4.44% |
| Q3 2024 | 19.40% | 1.63% | 1.29% | 6.37% | 4.53% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → 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 |
|---|---|---|---|
| The Farmers Bank | Portland , TN | 37148 | $289.9M |
| Springfield Branch | Springfield , TN | 37172 | $119.9M |
| White House Branch | White House , TN | 37188 | $105.4M |
| Tom Austin Highway - Springfield Office | Springfield , TN | 37172 | $70.6M |
| White House Highway 31 W Office | White House , TN | 37188 | $59.0M |
| Ridgetop Branch | Ridgetop , TN | 37152 | $54.8M |
| Westmoreland Branch | Westmoreland , TN | 37186 | $36.0M |
| Millersville Branch | Goodlettsville , TN | 37072 | $30.3M |
| Cross Plains Office | Cross Plains , TN | 37049 | $29.4M |
| The Farmers Bank - Hendersonville Office Branch | Hendersonville , TN | 37075 | $4.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1983 | Structure Change | Acquired United Southern Bank of Robertson County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TN, rank 52 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $605K approved, $605K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 The Farmers Bank
What are The Farmers Bank's total assets?
As of the Q2 2026 filing, The Farmers Bank reported total assets of $942.8 million in its FFIEC call report.
Where is The Farmers Bank headquartered?
It is headquartered in Portland, TN, United States.
When was The Farmers Bank founded?
It was established in 1912, per the FDIC institution directory.
Is The Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1696). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers Bank?
The Farmers Bank's primary federal regulator is the FDIC.
What is The Farmers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers Bank's Texas Ratio?
Its Texas Ratio is 2.46% 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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