Total Assets
$221M
Total balance-sheet footings
FDIC Cert #4960 · Pikeville, Tennessee · Est. 1913
First Farmers & Commercial Bank - FDIC Bank Health Profile
A community-scale look at First Farmers & Commercial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $221M
- Total assets
- B
- Health grade · Good
- 0.83%
- Return on assets
- 14.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Farmers & Commercial Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.62% Tier 1, 0.83% ROA, 72% efficiency ratio.
- #2,896
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 14.62%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Farmers & Commercial Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Farmers & Commercial Bank's composite health score
Tier 1 Capital Ratio (14.62%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (2.01%) 20/20
Efficiency Ratio (72.08%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$197M
Customer-funded liabilities
Net Loans
$165M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Farmers & Commercial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Farmers & Commercial Bank's score of 73/100 falls in the highlighted band.
First Farmers & Commercial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Farmers & Commercial Bank's $221M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.62%
Texas Ratio
2.01%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
8.73%
Efficiency Ratio
72.08%
What the numbers say about First Farmers & Commercial Bank
First Farmers & Commercial Bank is an FDIC-insured institution (Certificate #4960) headquartered in Pikeville, Tennessee, established in 1913. It holds $221M in total assets - 2,896th of 4,313 FDIC-insured banks, $197M in customer deposits, and $165M in net loans. On safety, its Tier 1 capital ratio of 14.62% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.01% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, First Farmers & Commercial Bank ranks 89th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$694K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Farmers & Commercial Bank reports a Texas Ratio of 2.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Farmers & Commercial Bank (FDIC Cert #4960) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is First Farmers & Commercial Bank's health grade?▼
First Farmers & Commercial Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Farmers & Commercial Bank?▼
First Farmers & Commercial Bank holds $221M in total assets and $197M in deposits, ranking 2,896th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pikeville, Tennessee.
Is my money safe at First Farmers & Commercial Bank?▼
Yes, deposits at First Farmers & Commercial Bank (Certificate #4960) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Farmers & Commercial Bank's Tier 1 Capital Ratio?▼
First Farmers & Commercial Bank has a Tier 1 Capital Ratio of 14.62%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Farmers & Commercial Bank?▼
First Farmers & Commercial Bank has a Texas Ratio of 2.01%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Farmers & Commercial Bank?▼
First Farmers & Commercial Bank has an Efficiency Ratio of 72.08%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Farmers & Commercial Bank's profile as a depositor or analyst.
- First Farmers & Commercial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Farmers & Commercial Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.