Bank call report · Fairmont, MN
First Farmers & Merchants National Bank Call Report
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First Farmers & Merchants National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 285 reported line items, schedule by schedule (913 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 | 1470150 |
| FDIC certificate number | 33131 |
| Total assets | $140.4M |
Official Q2 2026 call report PDF (FFIEC) →
First Farmers & Merchants National 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 (25 items)
About Schedule RC · First Farmers & Merchants National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $140.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $140.4M |
| Total Liabilities and Minority Interest | RCON2948 | $126.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $116.5M |
| Total Deposits | RCON2200 | $115.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $115.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $98.1M |
| Deposits: Noninterest-bearing | RCON6631 | $17.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $16.1M |
| Total Equity Capital | RCON3210 | $13.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $13.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $10.4M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $7.1M |
| Interest-bearing Balances | RCON0071 | $4.5M |
| Surplus | RCON3839 | $3.2M |
| Other Borrowed Money | RCON3190 | $2.5M |
| Other Assets | RCON2160 | $2.0M |
| Common Stock | RCON3230 | $1.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.4M |
| Other Liabilities, Total | RCON2930 | $1.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $692K |
| Federal Funds Sold | RCONB987 | $602K |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $455K |
Schedule RI: Income Statement (37 items)
About Schedule RI · First Farmers & Merchants National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.9M |
| Net Interest Income | RIAD4074 | $2.9M |
| Total Noninterest Expense | RIAD4093 | $1.9M |
| Total Interest Expense | RIAD4073 | $1.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.1M |
| 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 | $1.1M |
| Salaries and Employee Benefits | RIAD4135 | $983K |
| Other Noninterest Expense | RIAD4092 | $818K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $744K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $726K |
| Net Income (Loss) | RIAD4340 | $726K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $726K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $660K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $612K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $590K |
| Applicable Income Taxes | RIAD4302 | $383K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $361K |
| 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 | $190K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $186K |
| Total Noninterest Income | RIAD4079 | $173K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $145K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $125K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $121K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $96K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $65K |
| Other Noninterest Income | RIADB497 | $61K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $45K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $39K |
| Provision for Loan and Lease Losses | RIAD4230 | $39K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $25K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $12K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $8K |
| Other Interest Income | RIAD4518 | $7K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 16 |
Schedule RC-B: Securities (11 items)
About Schedule RC-B · First Farmers & Merchants National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $16.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $14.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $13.7M |
| Pledged Securities | RCON0416 | $9.2M |
| 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 Over Five Years Through Fifteen Years | RCONA553 | $7.2M |
| 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 Over Three Years Through Five Years | RCONA552 | $6.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $2.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $2.5M |
| 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 | $1.5M |
| 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 | $993K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · First Farmers & Merchants National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $116.5M |
| 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 | $43.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $42.3M |
| Pledged Loans and Leases | RCONG378 | $32.9M |
| 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 | $21.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $18.7M |
| Commercial and Industrial Loans | RCON1766 | $17.3M |
| 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 | $17.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $16.5M |
| 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 | $14.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $12.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $12.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $10.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $9.2M |
| 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 | $9.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $8.3M |
| 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 | $4.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.8M |
| 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 | $2.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.4M |
| Other Loans | RCONJ464 | $2.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.0M |
| 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 | $2.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.0M |
| 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 | $1.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $527K |
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 | $9.9M |
| 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 | $8.2M |
| 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 | $2.8M |
| 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 | $2.5M |
| 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 | $2.3M |
| 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 | $2.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $970K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $847K |
| 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 | $794K |
| 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 | $666K |
| 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 | $495K |
| 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 | $255K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 44 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 29 |
| 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 | 22 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 19 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 18 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 17 |
| 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 | 16 |
| 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 | 11 |
| 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 | 10 |
| 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 | 7 |
| 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 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · First Farmers & Merchants National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $85.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $85.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $35.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $29.7M |
| Total Transaction Accounts | RCON2215 | $29.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $29.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $24.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $14.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $13.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $10.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.8M |
| 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 | $8.4M |
| 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 | $6.3M |
| 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 Three Months or Less | RCONHK07 | $5.6M |
| Total reciprocal deposits | RCONJH83 | $4.7M |
| 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 | $3.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $1.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $908K |
| 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 | $882K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $535K |
| 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 | $500K |
| 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 | $92K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $417K |
| Other Expenses Accrued and Unpaid | RCON3646 | $382K |
| All Other Liabilities | RCON2938 | $280K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $34K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · First Farmers & Merchants National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $141.6M |
| Quarterly Average of Total Loans | RCON3360 | $117.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $62.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $44.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $32.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $19.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $19.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $16.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $16.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $14.1M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $7.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $5.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $3.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $720K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $165K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · First Farmers & Merchants National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $12.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $10.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $8.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $3.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.3M |
| Performance Standby Letters of Credit | RCON3821 | $619K |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $417K |
| Written OTC Interest Rate Option Contracts | RCON8709 | $417K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · First Farmers & Merchants National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $2.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $2.5M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $25K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · First Farmers & Merchants National Bank past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First Farmers & Merchants National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $141.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $116.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $63.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $50.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $15.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $613K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,427 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 86 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 57 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · First Farmers & Merchants National 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 | $125.9M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · First Farmers & Merchants National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $141.6M |
| Average total consolidated assets | RCOAKW03 | $141.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $125.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $16.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $15.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $15.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $15.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $13.9M |
| Retained Earnings | RCOAKW00 | $10.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $4.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.1M |
| 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 | -$1.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1304 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1191 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1191 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1059 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0504 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · First Farmers & Merchants National 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 | $125.9M |
| Total Risk-weighted Assets | RCONG641 | $125.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $116.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $116.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $101.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $99.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $99.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $23.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $19.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $19.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $16.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $16.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $16.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $16.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $16.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $14.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $12.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $11.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $11.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $8.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $5.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $4.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $4.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $4.7M |
| Total All Other Assets | RCOND981 | $2.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $2.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $2.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $2.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$2.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $2.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $950K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$819K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $619K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $602K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $602K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $474K |
| Unconditionally Cancellable Commitments | RCONS540 | $354K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $316K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $316K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $316K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $315K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $315K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $310K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $310K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $201K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $139K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $98K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $74K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $66K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $1K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $13.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $13.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $13.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $500K |
| Other Comprehensive Income | RIADB511 | -$89K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · First Farmers & Merchants National Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $119K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $119K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · First Farmers & Merchants National Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $119K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$14K |
Schedule RI-E: Explanations (2 items)
First Farmers & Merchants National 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 National Bank call report?
The First Farmers & Merchants National 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 National Bank file?
First Farmers & Merchants National 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 National 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 National Bank has Federal Reserve RSSD ID 1470150 and FDIC certificate number 33131. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Farmers & Merchants National 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 National 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 33131) · FFIEC NIC profile (RSSD 1470150)