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First Farmers And Merchants Bank
Columbia, TN · FDIC Certificate #1487 · Chartered 01/0
Total assets
$1.76B
Total deposits
$1.57B
Total equity
$178.41M
Net loans
$1.03B
Branches (offices)
21
Net income (YTD)
$11.30M
Rank: #655 of 4,213 U.S. banks by assets · #15 of 109 in Tennessee. Assets changed 1.1% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 12.93% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 10.12% |
| Tier 1 leverage ratio | 11.19% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 65.8% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $858.30M | 83.3% | |
| Commercial & industrial | $113.32M | 11.0% | |
| Consumer / individual | $9.23M | 0.9% | |
| Construction & development | $120.16M | 11.7% | |
| Agricultural | $157.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.01B | $1.88B | $8.43M | $109.27M |
| Jun 2023 | $1.88B | $1.66B | $9.68M | $108.54M |
| Jun 2024 | $1.85B | $1.52B | $7.40M | $126.48M |
| Jun 2025 | $1.74B | $1.57B | $9.25M | $156.83M |
| Jun 2026 | $1.76B | $1.57B | $11.30M | $178.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.57B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.57B.
Similar-sized banks
Androscoggin Savings Bank ($1.76B) · Hawthorn Bank ($1.76B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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