First Farmers and Merchants Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.72 percentage points higher than in Q1 2026, at 56.81%. First Farmers and Merchants Bank ranks 93rd of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 66.34% (Q2 2026). First Farmers and Merchants Bank reported 66.34% on loan-to-deposit ratio for Q2 2026, 21.86 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.04B |
| Net loans and leases | $1.03B |
| Loans held for sale | $1.4M |
| Loans to total assets | 58.90% |
| Loan-to-deposit ratio | 66.34% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.42% |
| Multifamily (5+ residential) | 4.05% |
| Commercial and industrial | 10.91% |
| Consumer | 0.89% |
| Credit cards | 0.00% |
| Farm | 0.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.54% |
| Construction concentration (Tier 1 capital + allowance) | 56.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.70% |
| Interest income on loans | $14.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.00B | $1.67B | 33.86% | 9.02% | 1.15% |
| Q4 2023 | $1.02B | $1.62B | 34.34% | 8.79% | 1.10% |
| Q1 2024 | $1.02B | $1.57B | 34.10% | 10.02% | 1.07% |
| Q2 2024 | $1.05B | $1.52B | 34.24% | 9.78% | 1.02% |
| Q3 2024 | $1.03B | $1.60B | 33.89% | 8.98% | 1.00% |
| Q4 2024 | $998.8M | $1.60B | 35.05% | 7.38% | 1.04% |
| Q1 2025 | $1.00B | $1.61B | 34.94% | 7.30% | 1.07% |
| Q2 2025 | $1.00B | $1.57B | 34.90% | 8.68% | 1.01% |
| Q3 2025 | $1.02B | $1.56B | 34.72% | 9.83% | 0.95% |
| Q4 2025 | $1.01B | $1.59B | 37.00% | 9.05% | 0.95% |
| Q1 2026 | $1.01B | $1.60B | 37.81% | 9.04% | 0.93% |
| Q2 2026 | $1.04B | $1.57B | 36.42% | 10.91% | 0.89% |
First Farmers and Merchants Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Merchants Bank, freeSource: Call Report Schedule RC-C, 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 Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1487) · FFIEC NIC profile (RSSD 150035)