Bank call report · Cannon Falls, MN
First Farmers & Merchants Bank Call Report
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First Farmers & Merchants Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 340 reported line items, schedule by schedule (907 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 217059 |
| FDIC certificate number | 10168 |
| Total assets | $486.4M |
Official Q2 2026 call report PDF (FFIEC) →
First Farmers & Merchants Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · First Farmers & Merchants Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $486.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $486.4M |
| Total Liabilities and Minority Interest | RCON2948 | $439.4M |
| Total Deposits | RCON2200 | $436.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $359.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $309.0M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $306.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $133.5M |
| Deposits: Noninterest-bearing | RCON6631 | $77.7M |
| Total Equity Capital | RCON3210 | $47.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $47.0M |
| Surplus | RCON3839 | $37.7M |
| Interest-bearing Balances | RCON0071 | $23.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $11.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.8M |
| Other Assets | RCON2160 | $5.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.0M |
| Goodwill | RCON3163 | $2.6M |
| Intangible Assets | RCON2143 | $2.6M |
| Federal Funds Sold | RCONB987 | $2.5M |
| Common Stock | RCON3230 | $2.5M |
| Other Liabilities, Total | RCON2930 | $1.7M |
| Other Borrowed Money | RCON3190 | $984K |
| Loans and Leases Held for Sale | RCON5369 | $935K |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $665K |
| Held-to-maturity Securities, Total | RCON1754 | $665K |
Schedule RI: Income Statement (43 items)
About Schedule RI · First Farmers & Merchants Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.0M |
| Net Interest Income | RIAD4074 | $9.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $5.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $5.3M |
| Total Noninterest Expense | RIAD4093 | $5.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.3M |
| Net Income (Loss) | RIAD4340 | $3.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.3M |
| Total Interest Expense | RIAD4073 | $2.7M |
| Other Noninterest Expense | RIAD4092 | $2.5M |
| Salaries and Employee Benefits | RIAD4135 | $2.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.2M |
| Applicable Income Taxes | RIAD4302 | $2.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.7M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.4M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.1M |
| Total Noninterest Income | RIAD4079 | $845K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $675K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $584K |
| Other Noninterest Income | RIADB497 | $360K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $347K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $318K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $274K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $265K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $214K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $191K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $102K |
| Provision for Loan and Lease Losses | RIAD4230 | $74K |
| Income from Lease Financing Receivables | RIAD4065 | $69K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $51K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $18K |
| Interest on Other Securities | RIAD4060 | $18K |
| Other Interest Income | RIAD4518 | $10K |
| Net Servicing Fees | RIADB492 | $6K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $5K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $4K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $1K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 54 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $31.2M |
| Balances Due from Federal Reserve Banks | RCON0090 | $20.6M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $8.8M |
| Currency and Coin | RCON0080 | $1.9M |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · First Farmers & Merchants Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $5.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $5.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $135.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $75.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $74.0M |
| Pledged Securities | RCON0416 | $57.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $54.6M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $54.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $46.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $37.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $32.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $23.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $20.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $13.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $3.9M |
| Amortized Cost of Structured Notes | RCON8782 | $3.0M |
| Fair Value of Structured Notes | RCON8783 | $2.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.5M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $665K |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $665K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $665K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · First Farmers & Merchants Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $310.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $102.3M |
| Pledged Loans and Leases | RCONG378 | $76.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $75.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $73.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $64.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $59.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $48.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $42.9M |
| Commercial and Industrial Loans | RCON1766 | $39.1M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $39.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $38.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $37.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $23.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $23.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $13.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $12.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $10.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $9.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $8.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $7.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $6.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.8M |
| All Other Lease Financing Receivables | RCONF163 | $2.7M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $2.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $695K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $245K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $128K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $38K |
| Other Loans | RCONJ464 | $38K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $24K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $20.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $15.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $10.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $9.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $6.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $6.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $5.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $4.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $2.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 191 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 166 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 69 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 60 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 54 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 52 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 44 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 44 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 41 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 33 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 29 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 26 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · First Farmers & Merchants Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $236.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $230.7M |
| Total Transaction Accounts | RCON2215 | $200.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $178.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $177.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $71.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $68.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $62.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $37.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $34.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $31.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $30.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $29.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $25.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $23.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $19.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $10.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $6.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $5.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $530K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $2.6M |
| Net Deferred Tax Assets | RCON2148 | $1.1M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.1M |
| Other Assets | RCON2168 | $434K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $373K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $326K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $858K |
| Other Expenses Accrued and Unpaid | RCON3646 | $688K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $74K |
| All Other Liabilities | RCON2938 | $36K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · First Farmers & Merchants Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $484.1M |
| Quarterly Average of Total Loans | RCON3360 | $303.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $169.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $139.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $134.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $123.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $65.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $64.6M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $40.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $35.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $30.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $20.4M |
| Mortgage-backed Securities | RCONB559 | $4.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.8M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $2.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $998K |
| All Other Securities | RCONB560 | $665K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $353K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · First Farmers & Merchants Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $32.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $26.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $17.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $5.3M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.3M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $2.3M |
| Performance Standby Letters of Credit | RCON3821 | $1.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.2M |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · First Farmers & Merchants Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $789K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $126K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $66K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $3K |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $3K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (5 items)
About Schedule RC-N · First Farmers & Merchants Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $258K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $258K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $258K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $24K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $24K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (16 items)
About Schedule RC-O · First Farmers & Merchants Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of One Year or Less | RCONG465 | $3K |
| Unsecured Other Borrowings with a Remaining Maturity of Over One Year Through Three Years | RCONG466 | $66K |
| Unsecured Other Borrowings with a Remaining Maturity of Over Three Years Through Five Years | RCONG467 | $126K |
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCONG468 | $789K |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $484.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $437.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $266.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $165.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $48.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $515K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 18,058 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 317 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 233 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · First Farmers & Merchants Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $346.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · First Farmers & Merchants Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $484.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $481.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $346.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $51.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $48.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $48.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $48.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $47.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $40.2M |
| Retained Earnings | RCOAKW00 | $11.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.6M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.6M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1493 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1404 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1404 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1009 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0693 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · First Farmers & Merchants Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $346.2M |
| Total Risk-weighted Assets | RCONG641 | $346.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $306.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $306.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $272.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $267.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $264.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $133.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $93.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $93.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $81.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $80.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $80.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $56.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $54.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $43.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $43.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $41.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $41.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $31.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $28.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $28.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $25.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $25.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $21.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $18.7M |
| Total All Other Assets | RCOND981 | $11.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $7.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $6.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $5.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $5.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$2.9M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $2.6M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$2.5M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $2.5M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $2.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $1.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $1.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $945K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $935K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $935K |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $665K |
| Total Held-to-maturity Securities | RCOND961 | $665K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $634K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $634K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $265K |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $263K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $187K |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $25K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $24K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $2K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $2K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $265K |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $265K |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $2K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $47.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $45.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $45.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.0M |
| Other Comprehensive Income | RIADB511 | -$30K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · First Farmers & Merchants Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $3K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · First Farmers & Merchants Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.9M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$23K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $2K |
Schedule RI-E: Explanations (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $997K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $600K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $289K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $248K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $117K |
First Farmers & Merchants Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Farmers & Merchants Bank call report?
The First Farmers & Merchants Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Farmers & Merchants Bank file?
First Farmers & Merchants Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Farmers & Merchants Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Farmers & Merchants Bank has Federal Reserve RSSD ID 217059 and FDIC certificate number 10168. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Farmers & Merchants Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Farmers & Merchants Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 10168) · FFIEC NIC profile (RSSD 217059)