First Farmers&Merchants Bank (FDIC #1487): Bank Stress & Real-Estate Credit Exposure
First Farmers&Merchants Bank (FDIC Cert #1487): bank stress 65/100, elevated, STABLE over 7 days; parent FIRST FARMERS&MERCHANTS CORP.
First Farmers&Merchants Bank (#1487) lends in 7 counties across 1 state; First Farmers&Merchants Bank (#1487) reaches 86 ZIP codes: Tennessee 7 counties, 86 ZIPs.
First Farmers&Merchants Bank (#1487) largest markets: Davidson County, TN (74 branches, 37 ZIPs) (#1487), Giles County, TN (17 branches, 17 ZIPs) (#1487), Williamson County, TN (64 branches, 16 ZIPs) (#1487), Hickman County, TN (26 branches, 13 ZIPs) (#1487), Marshall County, TN (12 branches, 12 ZIPs) (#1487), Lawrence County, TN (33 branches, 11 ZIPs) (#1487).
First Farmers&Merchants Bank (#1487) reports $1.76 billion in total assets; First Farmers&Merchants Bank (#1487) equity $178.3 million (10.1% of First Farmers&Merchants Bank (#1487) assets); First Farmers&Merchants Bank (#1487) domestic deposits $1.57 billion; First Farmers&Merchants Bank (#1487) net income $11.3 million; First Farmers&Merchants Bank (#1487) return on assets 1.27%; First Farmers&Merchants Bank (#1487) return on equity 12.93%; First Farmers&Merchants Bank (#1487) net interest income $30.1 million; First Farmers&Merchants Bank (#1487) call report June 30, 2026.
First Farmers&Merchants Bank (#1487) noncurrent real-estate loans: none reported; First Farmers&Merchants Bank (#1487) net charge-offs on real estate 0.15%; First Farmers&Merchants Bank (#1487) residential charge-offs 0.14%.
First Farmers&Merchants Bank (#1487) net interest margin 3.65% against an eight-quarter First Farmers&Merchants Bank (#1487) average of 3.16% (First Farmers&Merchants Bank (#1487) compression -0.49 points); First Farmers&Merchants Bank (#1487) non-residential real estate 13.5% of equity; First Farmers&Merchants Bank (#1487) rate-exposure score 40/100, First Farmers&Merchants Bank (#1487) fixed-rate trap 40/100; First Farmers&Merchants Bank (#1487) risk type credit driven; First Farmers&Merchants Bank (#1487) rate regime rates elevated, First Farmers&Merchants Bank (#1487) snapshot October 20, 2026.
First Farmers&Merchants Bank (#1487) stress score moved from 65.1 on June 22, 2026 to 64.8 on October 20, 2026; First Farmers&Merchants Bank (#1487) ranged 64.8 to 65.1 over 117 snapshots.
First Farmers&Merchants Bank (#1487) alerts: 7 counties; top First Farmers&Merchants Bank (#1487) alert scores: Franklin County, TN 33 (low); Centerville County, TN 22 (low); Lewisburg County, TN 22 (low); Loretto County, TN 22 (low); Nashville County, TN 22 (low).