Bank · FDIC insured
First Farmers & Merchants Bank
A $1.8B bank headquartered in Columbia, TN, with 22 branches in Tennessee.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—2.78%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Farmers & Merchants Bank
Founded in 1909, First Farmers & Merchants Bank is a community bank serving Middle Tennessee.
- Headquarters
- 816 S Garden St, Columbia, TN 38401
- FDIC certificate
- 1487 ↗
Branches
22 branches in Tennessee
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Tennessee
22 branches
Nashville area · 17
- First Farmers and Merchants BankMain office816 S Garden St, Columbia, TN 38401Directions
- East Hickman Office9512 Highway 46, Bon Aqua, TN 37025Directions
- Brentwood Branch5020 Harpeth Dr, Brentwood, TN 37027Directions
- Centerville Branch116 Church St, Centerville, TN 37033Directions
- Campbell Plaza Branch1202 S James M Campbell Blvd, Columbia, TN 38401Directions
- Hatcher Lane Branch1501 S James M Campbell Blvd, Columbia, TN 38401Directions
- High Street Branch515 N High St, Columbia, TN 38401Directions
- Northside Bankcenter901 Nashville Hwy, Columbia, TN 38401Directions
- Berry Farms Branch1004 Village Plains Blvd, Franklin, TN 37064Directions
- Cool Springs Office Branch300 Billingsly Ct, Franklin, TN 37067Directions
- Franklin Downtown Branch121 1st Ave S, Franklin, TN 37064Directions
- Mount Pleasant Branch128 N Main St, Mount Pleasant, TN 38474Directions
- 21st Avenue Branch2306 21st Ave S, Nashville, TN 37212Directions
- Green Hills Branch4013 Hillsboro Cir, Nashville, TN 37215Directions
- Port Royal4871 Port Royal Rd, Spring Hill, TN 37174Directions
- Saturn/Northfield BranchSaturn Complex, U.S. 31 South, Spring Hill, TN 37174Directions
- Spring Hill Branch5398 Main St, Spring Hill, TN 37174Directions
Lawrenceburg area · 3
- Crockett Branch116 W Gaines St, Lawrenceburg, TN 38464Directions
- Lawrenceburg Branch1501 N Locust Ave, Lawrenceburg, TN 38464Directions
- Loretto Branch201 S Military St, Loretto, TN 38469Directions
Lewisburg area · 1
- Lewisburg Branch260 N Ellington Pkwy, Lewisburg, TN 37091Directions
Pulaski area · 1
- Pulaski Branch302 S 2nd St, Pulaski, TN 38478Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.19% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.12% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.27% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $66 | $88 | — |
- CapitalLeverage ratio11.19%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$66Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Farmers & Merchants Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.