First Farmers and Merchants Bank
Columbia, TN
IDRSSD: 150035
Total Assets
$1.79B
Latest filing
Total Deposits
$1.59B
Latest filing
Net Interest Margin
3.49%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Farmers and Merchants Bank
816 S Garden St
Columbia, TN 38401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1909FDIC Certificate 982
Branches (23)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| First Farmers and Merchants Bank (Main) | 816 S Garden St | Columbia, TN |
| CENTERVILLE BRANCH | 116 Church St | Centerville, TN |
| HIGH STREET BRANCH | 515 N High St | Columbia, TN |
| HATCHER LANE BRANCH | 1501 S James M Campbell Blvd | Columbia, TN |
| MOUNT PLEASANT BRANCH | 128 N Main St | Mount Pleasant, TN |
| SPRING HILL BRANCH | 5398 Main St | Spring Hill, TN |
| NORTHSIDE BANKCENTER | 901 Nashville Hwy | Columbia, TN |
| CAMPBELL PLAZA BRANCH | 1202 S James M Campbell Blvd | Columbia, TN |
Showing 7 of 23
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38401 |
| State and County Number | 47119 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nashville-Davidson-Murfreesboro-Franklin, TN |
Operational Info
| Number of Employees | 254 |
| Domestic Offices | 24 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.myfirstfarmers.com |
| Data Updated | 01/30/2026 |
| CERT | 1487 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.79B |
| Total Deposits | $1.59B |
| Total Liabilities | $1.61B |
| Total Equity Capital | $172.09M |
| Net Income | $4.81M |
| Net Loans and Leases | $998.54M |
| Assets Per Employee ($Millions) | $6.84M |
| Bank Premises and Fixed Assets | $28.80M |
| Cash and Balances due from Depository Institutions | $102.38M |
| Deposits Held in Domestic Offices | $1.59B |
Key Performance Ratios
| Return on Assets (ROA) | 1.09% |
| Return on Equity (ROE) | 11.4% |
| Net Interest Margin | 3.49% |
| Efficiency Ratio | 66.91% |
| Tier 1 Risk-Based Capital Ratio | 17.491% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.632% |
| Earning Assets to total Assets | 92.85% |
Income and Expense
| Total Interest Income | $17.61M |
| Total Noninterest Income | $3.41M |
| Total Interest Expense | $3.33M |
| Total Noninterest Expense | $11.84M |
| Net Interest Income | $14.29M |
| Pre-tax Net Operating Income | $5.86M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $222.00k |
| Other borrowed funds | $1.95M |
| Federal Funds Sold & Reverse Repurchase Agreement | $80.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $18.33M |
| Total Liabilities and Capital | $1.79B |
Securities
| Securities | $579.95M |
| Available-for-sale debt securities | $556.27M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $23.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Farmers and Merchants Bank?
$1.79B as of the latest filing.
How much are First Farmers and Merchants Bank's total deposits?
$1.59B in total deposits.
Where is First Farmers and Merchants Bank located?
Columbia, TN.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
24.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
1.09%.
How much are total loans and leases?
$998.54M (latest filing).
What is the total interest income (latest filing)?
$17.61M.