First Farmers and Merchants 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.
Reserve coverage of non-performing loans climbed 38.75 percentage points in Q2 2026, from 602.48% to 641.23%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First Farmers and Merchants Bank is 44th of 109 on return on assets, 1.25% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; First Farmers and Merchants Bank reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.56% |
| Tier 1 risk-based capital ratio | 17.56% |
| Total risk-based capital ratio | 18.33% |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 10.12% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.81% |
| Allowance for credit losses to loans | 0.78% |
| Reserve coverage of non-performing loans | 641.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 12.95% |
| Net interest margin | 3.62% |
| Efficiency ratio | 61.24% |
| Yield on earning assets | 4.27% |
| Cost of funds | 0.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.34% |
| Core deposits to total deposits | 94.43% |
| Brokered deposits to total deposits | 3.36% |
| Deposits to assets | 88.79% |
| Securities to assets | 32.87% |
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 | 14.85% | 14.85% | 15.60% | 8.88% | 0.71% |
| Q4 2023 | 15.02% | 15.02% | 15.75% | 9.01% | 0.78% |
| Q1 2024 | 15.39% | 15.39% | 16.14% | 9.16% | 0.71% |
| Q2 2024 | 15.07% | 15.07% | 15.80% | 9.27% | 0.81% |
| Q3 2024 | 15.69% | 15.69% | 16.44% | 9.43% | 0.84% |
| Q4 2024 | 16.41% | 16.41% | 17.17% | 9.91% | 1.08% |
| Q1 2025 | 16.68% | 16.68% | 17.46% | 10.21% | 1.00% |
| Q2 2025 | 17.02% | 17.02% | 17.80% | 10.54% | 1.03% |
| Q3 2025 | 17.15% | 17.15% | 17.92% | 10.68% | 1.09% |
| Q4 2025 | 17.49% | 17.49% | 18.27% | 10.86% | 1.06% |
| Q1 2026 | 17.59% | 17.59% | 18.36% | 10.97% | 1.23% |
| Q2 2026 | 17.56% | 17.56% | 18.33% | 11.19% | 1.25% |
First Farmers and Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Merchants 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 Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1487) · FFIEC NIC profile (RSSD 150035)