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 | |