First Farmers and Commercial Bank
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Data as of · sourced from FFIEC call reports. How we update
First Farmers and Commercial Bank is an FDIC-insured commercial bank headquartered in Pikeville, TN, established in 1913 (FDIC certificate 4960), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $226.4M, up 2.4% from Q2 2025, the 86th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.54% 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
- 4960
- Headquarters
- Pikeville, TN
- Established
- 1913
- Total assets, Q2 2026
- $226.4M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 14.54%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064102944
- Latest call report
- Q2 2026, FFIEC 051 · First Farmers and Commercial Bank Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST PIKEVILLE BANCSHARES, INC.
- Asset rank in state
- 86th of 109 in Tennessee
First Farmers and Commercial Bank leans heavily on commercial real estate. Based in Pikeville, Tennessee, it had $226 million in assets at June 30, 2026, up 2.4% from a year earlier. It holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.07% of loans from 1.01%. Net income for the quarter rose 25% from a year earlier, to $488,000. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Farmers and Commercial Bank reported a CET1 capital ratio of 14.54%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, First Farmers and Commercial Bank is the 86th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $226.4M, loans fell 1.4% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.9% of total loans, followed by non-owner-occupied commercial real estate loans at 15.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Pikeville office books 51% of its branch deposits. Judged on its Q2 2026 call report, First Farmers and Commercial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 441 Spring St, Pikeville, TN 37367
- County
- Bledsoe
- 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
- September 30, 1913
- Former names
- First Farmers & Commercial Bank (2014)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $202.8M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $225.0M
- Average total loans
- $167.9M
- Average interest-bearing deposits
- $160.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4960
- Fed RSSD
- 702836
- Website
- www.ffandcb.com →
- Parent Holding Company
- FIRST PIKEVILLE BANCSHARES, INC. (RSSD 1082834)
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
First Farmers and Commercial Bank's total assets moved between a low of $211.0M (Q4 2023) and a high of $226.4M (Q2 2026) from Q3 2023 to Q2 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
$226.4M total assets against $221.1M; $204.2M total liabilities against $200.3M.
$162.9M net loans and leases against $155.1M; $202.8M total deposits against $198.8M.
$14.7M securities against $15.3M; $37.4M cash and balances due against $39.5M.
$3.4M total interest income against $3.2M; $1.1M total interest expense against $1.2M.
$2.2M net interest income against $2.0M.
$147K total noninterest income against $160K; $1.7M total noninterest expense against $1.7M.
$4K provision for credit losses against -$21K.
$488K net income against $391K.
0.87% return on assets against 0.72%; 4.29% net interest margin against 4.00%.
14.54% CET1 capital ratio against 14.26%; 9.86% tier 1 leverage ratio against 9.59%.
Inside the full First Farmers and Commercial 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.
First Farmers and Commercial Bank rankings
Its closest position to the top of a national ranking is 989 of 2,134, for CET1 ratio; its furthest is 2,993 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q4 2024) to 0.97% (Q3 2025) and its net interest margin ran from 3.84% (Q4 2024) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.54% | 0.87% | 0.07% | 0.45% | 4.29% |
| Q1 2026 | 14.20% | 0.77% | 0.07% | 0.46% | 3.99% |
| Q4 2025 | 14.62% | 0.74% | 0.29% | 2.01% | 4.16% |
| Q3 2025 | 13.97% | 0.97% | 0.27% | 1.88% | 4.20% |
| Q2 2025 | 14.26% | 0.72% | 1.01% | 6.83% | 4.00% |
| Q1 2025 | 14.48% | 0.89% | 0.53% | 3.80% | 3.90% |
| Q4 2024 | 13.91% | 0.71% | 0.86% | 6.13% | 3.84% |
| Q3 2024 | 13.10% | 0.90% | 0.70% | 5.05% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| First Farmers & Commercial Bank | Pikeville , TN | 37367 | $102.5M |
| Dayton Branch | Dayton , TN | 37321 | $42.3M |
| Crossville Branch | Crossville , TN | 38555 | $41.0M |
| Dunlap Branch | Dunlap , TN | 37327 | $16.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 110 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 First Farmers and Commercial Bank
What are First Farmers and Commercial Bank's total assets?
As of the Q2 2026 filing, First Farmers and Commercial Bank reported total assets of $226.4 million in its FFIEC call report.
Where is First Farmers and Commercial Bank headquartered?
It is headquartered in Pikeville, TN, United States.
When was First Farmers and Commercial Bank founded?
It was established in 1913, per the FDIC institution directory.
Is First Farmers and Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4960). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Farmers and Commercial Bank?
First Farmers and Commercial Bank's primary federal regulator is the FDIC.
What is First Farmers and Commercial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Farmers and Commercial Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Farmers and Commercial Bank's Texas Ratio?
Its Texas Ratio is 0.45% 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.
What was First Farmers and Commercial Bank previously called?
The charter now named First Farmers and Commercial Bank has also operated as First Farmers & Commercial Bank (2014), per FDIC structure-change records.
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