BlastPoint's Banking Scorecard
First Farmers and Merchants Bank
Community
Specialty: Commercial
TN
FDIC cert 1487
Columbia, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First Farmers and Merchants Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Credit Quality Pressure: Bottom 9% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+1.3% YoY
+2.4% QoQ
|
+$394.2M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$998.5M
+0.8% YoY
-0.9% QoQ
|
+$23.1M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.6B
-0.6% YoY
+2.2% QoQ
|
+$428.7M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.08%
+20.3% YoY
-0.0% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.30%
+24.1% YoY
+1.7% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
65.15%
-1.7% YoY
+1.0% QoQ
|
+2.51% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.16%
+16.1% YoY
+22.9% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
62.67%
+1.4% YoY
-3.1% QoQ
|
-20.39% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.41%
+1.1% YoY
+2.4% QoQ
|
+9.37% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.10%
+31.9% YoY
+15.8% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
17.49%
+6.6% YoY
+2.0% QoQ
|
+7.25% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.76%
-0.5% YoY
+30.3% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#26 of 371 · Top 7% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#3 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#71 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.67% · Tier avg: 83.06%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.49% · Tier avg: 10.24%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.41% · Tier avg: 21.05%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
68
68th pctile
Total Loans
Current: $998.5M · Tier avg: $975.5M
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
40
40th pctile
Efficiency Ratio
Current: 65.15% · Tier avg: 62.63%
31
31th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
Top Weaknesses
31
31th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
40
40th pctile
Efficiency Ratio
Current: 65.15% · Tier avg: 62.63%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
68
68th pctile
Total Loans
Current: $998.5M · Tier avg: $975.5M
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.41% · Tier avg: 21.05%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.49% · Tier avg: 10.24%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.67% · Tier avg: 83.06%