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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST FARMERS&MERCHANTS BANK

FDIC #1487 · TN · period 20260630

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Total assets1,298,843-5.19% YoY

Total deposits1,142,093-6.01% YoY

Net loans and leases731,560-12.09% YoY

Return on assets0.85%+16.68% YoY

Return on equity9.16%+7.39% YoY

Net interest margin3.09%+1.07% YoY

Peer position

Return on assets51stin line · n=902

Return on equity56thin line · n=894

Net interest margin47thin line · n=902

Equity to assets45thin line · n=894

Noncurrent loans85thstrength · n=887

Liquid assets86thstrength · n=895

Brokered deposits41stin line · n=890

Loans to deposits89thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,298,843	1,142,093	731,560	0.85	9.16	3.09
2016-06-30	1,304,520	1,146,622	776,444	0.82	8.94	3.06
2016-09-30	1,340,484	1,183,149	812,215	0.82	8.95	3.06
2016-12-31	1,332,794	1,164,385	812,437	0.81	8.98	3.07
2017-03-31	1,369,959	1,215,062	832,163	0.73	8.53	3.05
2017-06-30	1,364,904	1,185,608	849,522	0.79	9.28	3.09
2017-09-30	1,346,375	1,172,065	850,465	0.83	9.60	3.13
2017-12-31	1,375,948	1,207,143	846,510	0.78	9.01	3.15
2018-03-31	1,372,238	1,203,766	853,979	0.94	10.41	3.17
2018-06-30	1,366,102	1,192,300	861,164	1.05	11.61	3.25
2018-09-30	1,362,938	1,164,854	862,128	1.06	11.63	3.30
2018-12-31	1,365,071	1,175,302	885,909	1.06	11.53	3.36
2019-03-31	1,346,456	1,155,380	882,209	1.61	16.22	3.43
2019-06-30	1,369,310	1,141,066	881,329	1.31	12.99	3.44
2019-09-30	1,366,701	1,178,861	892,623	1.26	12.41	3.45
2019-12-31	1,401,842	1,220,795	928,350	1.20	11.80	3.43
2020-03-31	1,435,927	1,256,624	945,177	0.93	9.00	3.35
2020-06-30	1,606,492	1,416,647	987,152	0.97	9.59	3.21
2020-09-30	1,716,443	1,526,447	987,596	0.95	9.65	3.09
2020-12-31	1,800,117	1,608,478	958,659	0.91	9.39	2.98
2021-03-31	1,877,063	1,706,481	920,392	0.68	7.99	2.48
2021-06-30	1,876,828	1,696,294	900,241	0.92	10.74	2.53
2021-09-30	1,918,051	1,736,807	895,496	0.90	10.64	2.56
2021-12-31	1,970,197	1,791,291	879,483	0.84	9.99	2.56
2022-03-31	2,141,737	1,998,261	882,651	0.74	10.75	2.32
2022-06-30	2,009,997	1,880,698	932,959	0.83	12.91	2.40
2022-09-30	1,939,121	1,833,126	943,049	0.88	14.91	2.52
2022-12-31	1,939,730	1,798,631	956,785	0.92	16.09	2.60
2023-03-31	1,911,379	1,776,990	963,596	0.93	17.40	2.77
2023-06-30	1,876,678	1,657,590	956,622	1.01	18.42	2.79
2023-09-30	1,866,657	1,674,675	996,195	0.92	16.92	2.65
2023-12-31	1,869,436	1,618,567	1,011,670	0.90	15.74	2.57
2024-03-31	1,881,961	1,567,086	1,009,874	0.74	11.14	2.47
2024-06-30	1,852,294	1,524,081	1,045,750	0.79	11.81	2.52
2024-09-30	1,852,832	1,603,675	1,023,214	0.82	11.74	2.56
2024-12-31	1,763,096	1,603,624	990,866	0.90	12.53	2.66
2025-03-31	1,774,876	1,605,901	994,964	1.04	12.82	3.11
2025-06-30	1,743,291	1,566,387	996,615	1.05	12.50	3.18
2025-09-30	1,743,281	1,558,333	1,007,485	1.08	12.45	3.25
2025-12-31	1,785,669	1,593,304	998,538	1.08	12.17	3.30
2026-03-31	1,794,226	1,601,354	1,005,239	1.25	12.93	3.57
2026-06-30	1,762,742	1,565,094	1,030,092	1.27	12.93	3.65

Structure and branch footprint

23 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2001-04-28	1	200631	150035
1999-02-05	1	507938	150035
1985-09-05	50	20334	150035

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.