Portland, TN · Cert 1696 · First Farmers Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
33
Profitability
76
Liquidity
98
Efficiency
73
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portland, TN · Cert 1696 · First Farmers Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.7% share · #22 of 62 inst. · $0.8B of $107.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.54% | 1.59% | 1.64% | 1.66% | 1.66% | 1.68% | 1.67% | +2 bps | |
| Return on Equity | 12.63% | 12.73% | 13.09% | 13.31% | 13.17% | 12.96% | 12.51% | 12.31% | -100 bps | |
| Net Interest Margin | 4.07% | 3.98% | 4.19% | 4.24% | 4.31% | 4.23% | 4.22% | 4.27% | +3 bps | |
| Efficiency Ratio | 56.44% | 56.69% | 54.31% | 55.28% | 55.55% | 55.60% | 55.64% | 56.34% | +106 bps | |
| Non-Interest Burden | 1.94% | 1.93% | 1.99% | 1.92% | 2.02% | 2.00% | 2.08% | 2.12% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 5.36% | 7.97% | 5.21% | 3.47% | 5.40% | 6.45% | 5.88% | +67 bps | |
| Loan Growth (YoY) | 0.35% | 4.42% | 7.48% | 6.77% | 7.63% | 7.70% | 6.91% | 5.34% | -143 bps | |
| Deposit Growth (YoY) | 2.67% | 5.14% | 7.25% | 3.39% | 2.03% | 3.70% | 5.47% | 5.28% | +189 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.25% | 1.13% | 0.69% | 0.07% | 0.49% | 0.58% | 0.53% | -16 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.25% | 0.43% | 0.20% | 0.13% | 0.07% | 0.05% | 0.10% | -9 bps | |
| Allowance / Loans | 1.25% | 1.22% | 1.17% | 1.22% | 1.23% | 1.29% | 1.25% | 1.22% | 0 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.0x | 1.8x | 17.7x | 2.6x | 2.1x | 2.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.58% | 14.38% | 14.32% | 14.73% | 15.02% | 14.93% | 14.92% | 15.09% | +36 bps | |
| Total Risk-Based Capital | 20.53% | 20.58% | 20.26% | 20.69% | 21.30% | 21.38% | 21.35% | 21.66% | +97 bps | |
| Equity / Assets | 12.64% | 11.94% | 12.32% | 12.76% | 13.42% | 13.46% | 13.31% | 13.83% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.69% | 74.11% | 76.07% | 78.55% | 79.85% | 76.97% | 77.11% | 78.60% | +4 bps | |
| Liquid Assets / Assets | 3.23% | 5.07% | 3.57% | 1.58% | 1.09% | 3.90% | 3.55% | 2.49% | +91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 212% | 216% | n/a | n/a | |
Portland, TN · Cert 1696 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Farmers Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.67%
Rank 119 of 746
Net Interest Margin
4.27%
Rank 155 of 746
Efficiency Ratio
56.34%
Rank 202 of 746
Equity / Assets
13.83%
Rank 151 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.72% | 1.06% | 1.45% | Beats 84% | 119 / 746 | ||
| Return on Equity | 12.04% | 6.74% | 10.51% | 13.63% | Beats 64% | 271 / 746 | ||
| Net Interest Margin | 4.27% | 3.17% | 3.68% | 4.16% | Beats 79% | 155 / 746 | ||
| Efficiency Ratio | 56.34% | 55.74% | 64.58% | 75.47% | Beats 73% | 202 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.09% | 0.42% | 1.07% | Beats 45% | 411 / 743 | ||
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 594 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.50% | 11.55% | 13.75% | 17.60% | Beats 84% | 119 / 746 | ||
| Total Risk-Based Capital Ratio | 21.66% | 11.71% | 14.33% | 18.43% | Beats 84% | 119 / 746 | ||
| Equity / Assets | 13.83% | 8.90% | 10.51% | 13.06% | Beats 80% | 151 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.60% | 61.31% | 78.27% | 90.78% | 51st pctl | 369 / 746 | ||
| Loans / Assets | 66.69% | 53.60% | 66.97% | 76.08% | 49th pctl | 382 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||