TN lenders / Community Bank
First Farmers and Merchants Bank
Community Bank · Columbia, TN · First Farmers&Merchants Corp
- Total assets
- $1.8B
- CRE loan book
- $529.0M
- QoQ CRE growth
- 1.3%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.52% as of Q1 2026 — TX bank median 4.87% (0.65pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.52% | 5.57% |
| Q4 2025 | 5.67% | 5.71% |
| Q3 2025 | 5.64% | 5.66% |
| Q2 2025 | 5.45% | 5.50% |
| Q1 2025 | 5.31% | 5.39% |
| Q4 2024 | 5.38% | 5.48% |
| Q3 2024 | 5.51% | 5.55% |
| Q2 2024 | 5.44% | 5.47% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $529.0M | $105.9M | $40.0M | 214% | $570,000 |
| Q4 2025 | $522.1M | $110.9M | $38.8M | 215% | $582,000 |
| Q3 2025 | $514.9M | $123.2M | $39.0M | 216% | $497,000 |
| Q2 2025 | $510.8M | $124.9M | $35.1M | 216% | $500,000 |
| Q1 2025 | $511.7M | $123.4M | $37.9M | 219% | $502,000 |
| Q4 2024 | $510.0M | $121.6M | $38.3M | 219% | $505,000 |
| Q3 2024 | $521.1M | $128.4M | $43.2M | 226% | $106,000 |
| Q2 2024 | $533.7M | $129.3M | $43.5M | 233% | $58,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Financial Federal BankCommunity Bank · Memphis · $524.6M CRE book
- Schertz Bank & TrustCommunity Bank · Schertz · $524.2M CRE book
- The State Bank and Trust CompanyCommunity Bank · Defiance · $535.4M CRE book
- Exchange BankCommunity Bank · Kearney · $522.5M CRE book
- Dundee BankCommunity Bank · Omaha · $515.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.