Farmers Bank, The
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
$942.8MAssets
$628.8MLoans
$800.0MDeposits
$130.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 84% of banks under $1B in assets operating in a single state (rank 119 of 746).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating in a single state (rank 594 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.7M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |