First Farmers and Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Farmers and Merchants Bank of Columbia, TN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.25% | 1.44% | -0.19% | 47th below |
| ROAE | 12.95% | 12.50% | +0.45% | 54th above |
| Net Interest Margin | 3.62% | 3.84% | -0.22% | 43rd below |
| Efficiency Ratio | 61.24% | 58.87% | +2.37% | 41st below |
| PPNR / Avg Assets | 1.58% | 1.78% | -0.20% | 41st below |
| Yield on Earning Assets | 4.27% | 5.72% | -1.45% | 4th bottom |
| Cost of Funds | 0.70% | 2.03% | -1.33% | 98th top |
| Net Interest Spread | 3.26% | 3.18% | +0.08% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.97% | -0.85% | 87th top |
| NPA / Total Assets | 0.08% | 0.75% | -0.67% | 88th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 86th top |
| ACL / Total Loans | 0.78% | 1.25% | -0.47% | 13th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 641.23% | 698.90% | -57.67% | 86th top |
| Texas Ratio | 0.81% | 7.17% | -6.36% | 89th top |
| Provision / NCO | 1714.29% | 813.32% | +900.97% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.56% | 17.41% | +0.15% | 85th top |
| Tier 1 Ratio | 17.56% | 17.44% | +0.12% | 85th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.33% | 18.50% | -0.17% | 83rd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.19% | 11.60% | -0.41% | 64th above |
| Equity / Assets | 10.12% | 11.33% | -1.21% | 45th below |
| TCE / Tangible Assets | 9.65% | 10.65% | -1.00% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.34% | 86.37% | -20.03% | 89th top |
| Core Deposit Ratio | 94.43% | 85.55% | +8.88% | 81st top |
| Uninsured Deposit Ratio | 27.67% | 32.71% | -5.04% | 61st above |
| Wholesale Funding Ratio | 0.10% | 5.46% | -5.36% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.12% | 10.46% | -9.34% | 22nd bottom |
| Loan Growth (Y/Y) | 3.33% | 8.00% | -4.67% | 37th below |
| Deposit Growth (Y/Y) | -0.08% | 7.99% | -8.07% | 18th bottom |
See First Farmers and Merchants Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Farmers and Merchants Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Farmers and Merchants Bank profile, how to read a UBPR, or how this data updates.