First Farmers and Commercial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 2.12 percentage points in Q2 2026, from 83.63% to 81.51%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First Farmers and Commercial Bank is 79th of 109 on return on assets, 0.87% as of Q2 2026, below the middle of the field. First Farmers and Commercial Bank reported 0.87% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.48% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 391.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 8.84% |
| Net interest margin | 4.29% |
| Efficiency ratio | 71.67% |
| Yield on earning assets | 6.46% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.51% |
| Core deposits to total deposits | 81.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.58% |
| Securities to assets | 6.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.81% | 12.81% | 14.06% | 8.74% | 0.83% |
| Q4 2023 | 12.56% | 12.56% | 13.81% | 8.81% | 0.58% |
| Q1 2024 | 12.14% | 12.14% | 13.39% | 8.61% | 0.70% |
| Q2 2024 | 12.83% | 12.83% | 14.08% | 8.67% | 0.76% |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 8.87% | 0.90% |
| Q4 2024 | 13.91% | 13.91% | 15.16% | 9.17% | 0.71% |
| Q1 2025 | 14.48% | 14.48% | 15.73% | 9.51% | 0.89% |
| Q2 2025 | 14.26% | 14.26% | 15.51% | 9.59% | 0.72% |
| Q3 2025 | 13.97% | 13.97% | 15.23% | 9.74% | 0.97% |
| Q4 2025 | 14.62% | 14.62% | 15.87% | 9.76% | 0.74% |
| Q1 2026 | 14.20% | 14.20% | 15.45% | 10.03% | 0.77% |
| Q2 2026 | 14.54% | 14.54% | 15.80% | 9.86% | 0.87% |
First Farmers and Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Commercial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Farmers and Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4960) · FFIEC NIC profile (RSSD 702836)