What is First Farmers and Merchants Bank's financial health grade?

First Farmers and Merchants Bank has a TFS Financial Health Grade of C (score: 74.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Farmers and Merchants Bank have?

First Farmers and Merchants Bank has 24 branch locations across the United States.

Is First Farmers and Merchants Bank FDIC insured?

Yes, First Farmers and Merchants Bank is FDIC insured (Certificate #1487).

What are the total assets of First Farmers and Merchants Bank?

First Farmers and Merchants Bank has total assets of $1.8B as reported in its most recent FDIC filing.

First Farmers and Merchants Bank

BankColumbia, Tennessee

www.myfirstfarmers.com

Total Assets

$1.8B

Total Deposits

$1.6B

Branches

Established

1909

TFS Health Grade

74.8 / 100

Average financial health

How we grade

First Farmers and Merchants Bank is a bank headquartered in Columbia, Tennessee, established in 1909. With $1.8B in total assets and 24 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.86%(8%)

Total Capital Ratio

18.27%(10%)

Non-Performing Loan Ratio

0.16%

Profitability

Return on Assets (ROA)

1.08%(1%)

Return on Equity (ROE)

12.17%(10%)

Net Interest Margin

3.30%

Efficiency Ratio

65.15%(60%)

Lending & Liquidity

Total Loans

$1.0B

Loan-to-Deposit Ratio

62.67%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+1.28%

Deposit Growth (YoY)

-0.64%

Net Income

$19.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Farmers and Merchants BankHQ	816 S Garden St	Columbia	TN	11
First Farmers and Merchants Bank	9512 Highway 46	Bon Aqua	TN	11
First Farmers and Merchants Bank	5020 Harpeth Dr	Brentwood	TN	11
First Farmers and Merchants Bank	116 Church St	Centerville	TN	11
First Farmers and Merchants Bank	1202 S James M Campbell Blvd	Columbia	TN	12
First Farmers and Merchants Bank	515 N High St	Columbia	TN	23
First Farmers and Merchants Bank	1501 S James M Campbell Blvd	Columbia	TN	11
First Farmers and Merchants Bank	901 Nashville Hwy	Columbia	TN	11
First Farmers and Merchants Bank	106 Hwy 70 East, Suite3	Dickson	TN	24
First Farmers and Merchants Bank	121 1st Ave S	Franklin	TN	11
First Farmers and Merchants Bank	1004 Village Plains Blvd	Franklin	TN	11
First Farmers and Merchants Bank	1536 W Mcewen Dr	Franklin	TN	11
First Farmers and Merchants Bank	300 Billingsly Ct	Franklin	TN	11
First Farmers and Merchants Bank	116 W Gaines St	Lawrenceburg	TN	11
First Farmers and Merchants Bank	1501 N Locust Ave	Lawrenceburg	TN	11
First Farmers and Merchants Bank	260 N Ellington Pkwy	Lewisburg	TN	11
First Farmers and Merchants Bank	201 S Military St	Loretto	TN	11
First Farmers and Merchants Bank	128 N Main St	Mount Pleasant	TN	11
First Farmers and Merchants Bank	2306 21st Ave S	Nashville	TN	11
First Farmers and Merchants Bank	4013 Hillsboro Cir	Nashville	TN	11
First Farmers and Merchants Bank	302 S 2nd St	Pulaski	TN	11
First Farmers and Merchants Bank	5398 Main St	Spring Hill	TN	11
First Farmers and Merchants Bank	4871 Port Royal Rd	Spring Hill	TN	11
First Farmers and Merchants Bank	Saturn Complex, U.S. 31 South	Spring Hill	TN	28

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.