# FARMERS BANK
PARSONS, TN · FDIC certificate 8661 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $94.8M | |
| Deposits | $85.8M | |
| Loans and leases | $77.3M | |
| Total equity | $8.3M | |
| Loans / deposits | 89.15% (p78 of band) | 73.59% |
| Liquid assets / assets | 16.28% (p14 of band) | |
| Uninsured deposits / deposits | 13.35% (p26 of band) | 19.81% |
| Brokered deposits | 16.90% | |
| Wholesale funding | 16.90% (p93 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.06% (p11 of band) | 11.76% |
| Unrealized securities loss / equity | 0.18% (p99 of band) | -6.57% |
| AOCI / equity | -0.70% (p36 of band) | |
| ROA (annualized) | 0.23% (p10 of band) | 1.17% |
| Net interest margin | 5.31% (p94 of band) | 3.93% |
| Efficiency ratio | 88.04% (p88 of band) | |
| Noncurrent loans | 0.31% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 342.92% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 212.70% (p100 of band) | |
| Auto loans | $2.5M (3.20% of loans; DQ 3.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 33.4% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 1 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2015-09 | 5 | deposits shrinking, assets shrinking |  |
| 2015-12 | 3 |  | deposits shrinking, assets shrinking |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2018-06 | 4 | deposits shrinking | charge-offs p90 |
| 2018-09 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | NIM <2.5% | expense ratio p90 |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 1 | deposits shrinking |  |
| 2022-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 | capital falling, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 3 | losing money |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | expense ratio p90 |
| 2024-03 | 0 |  | capital falling, losing money |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 3 | brokered >10%, capital falling |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | wholesale funding >15% |  |
| 2026-03 | 5 | liquid assets <10% |  |
| 2026-06 | 3 |  | uninsured deposits leaving, liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-07 [FM Bank & Trust Will Add $3B in Assets With Tennessee Bank Acquisition - Arkansas Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOMUx0bXpabUx4SmoydlA2R3J1U2xBQjhrV2JIS3NaOGxVM1V2NndYSlpyY2pUNjJxdUd2WjhRMFlMR3FySWtsYnZTUGFjdEx0LVNLbkJhNEpWY1NvcjJOZW5oblFnNV8zcFFSeGhBWlQzNkRpcWc0SVhCUHJ6eHFuOE9fd09TeHpYT3dPVUM5dm9QOXI5cGRqUURzc1Y3eThqdVlNdlNlZkVBNmc?oc=5) · Arkansas Business
- 2026-07-01 [Pittsburgh mortgage lender Victorian Finance merges into Tennessee bank - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQcjM5azE5aTlRczZjU0JjczY5ZmxfdnZ0TXVDNEJlN0VqSDR4ZzkzRTlWNUpKSWFhZEo3UUlhNFJpRnMzWmpyejhMN1JHLW1lazFHdnZFYWdjUXl0anhqZGFMTTRFN0xFRk94RWJvTnExQnNwQ25DSUJGSWtIaElPTTVyUDdSd1VHYXhvTnNmaGpBdU02dFBYeHZJWnZEUQ?oc=5) · The Business Journals
- 2026-08-27 [Merchants and Farmers Bank Remembers Dolly Parton - westcentralsbest.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNY1RJUVNycmhKWk5MTlFaOXRkVGF0Tmw3UmVYX3Jia1hUOFNXbXp2czl3T0MtNU9WTnB3YWcybDJnUmZLdnpDY3RKUjFyc1VLUzV0NTlwN0cwLVdlT3RIeVdFOGc5cGJra3c3VHBlT2hESS1rSHVlRWdJWllSdG1RWldvSkRHTzZlOTJZX24zeGh1aUVFV3E0aUhZQWhELU9waWpQckUzOWwwU0FDenNWUWJyZWxzSEdfVERiZXFFT2VUZ1lfZ2RScWcwU2prWFBwS3FQeWd6YktiY2tObktmUlZHWm5YX1BWcmhKXzdB?oc=5) · westcentralsbest.com
- 2026-04-28 [Experts on 5: The Farmers Bank Hendersonville - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMilAFBVV95cUxQR2J3ZVZxX3RPZUhSamZUalVZUnNONUoxNnQ3akwwNTloTVJoTm5LQzM2eFFIeDJpN19DbVpfSUlPeUxrSWlja0ZHOWJZY1FpNV9CaGJpeWtfbTRmS25uck5mdTV3X2xRZkt6U0I0cEJVUU5Yd3JWN1FhdGpZaFhjdGZhVWVVTGd1bEc5WlBiNmpfR0l1?oc=5) · News Channel 5 Nashville
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-09-01 [Gaylon Lawrence Jr. eyes more consolidation of his bank portfolio - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRm5mVGlVZFVlWmFnMzBuMnEwbWcwYmZCNWphbHJ6ZldsUW5SX3NVdnFRYlM2UGYtQ19Wc3UweS1DVHBxMmF3X1M4SnZEYjNFRmV1MnZPUVp4NnVIT0VkbDJPZmZERmRqQUxDZG5kN1ozUjJKNTRHbU4xZFFOdFI4VmtWT0tLSGxPR0laVmpNTGV0UkdocjhiU2d4ajlMdUxrMnp5THFKNlJKcmpZdEE?oc=5) · The Business Journals
- 2026-02-07 [FILM PRODUCTION TO STAGE “EMERGENCY” SCENE AT FARMERS BANK IN SPRINGFIELD TONIGHT - Smokey Barn News](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRzBsY1BlN0ZTMGZPS0o4Znh3QndXQWhqQmFyVndqVThGbTYyamRmc3ZSR1oxVEhWZ2xHNEl4TnIwSWNadHA1Vi1XNC1KM0xFenF2Wmtwc0VGUkhhRlRteXcxaEpROFJ1ZUNNOEpsbmkxM2JIXzJZSk1sRTdvQjdIXzNyc09xRVpOaVA3RkpYMmdyWE5scnV6LUlQdjJGc2ljaFlJT1Vn?oc=5) · Smokey Barn News
- 2024-05-31 [Lawrenceburg student earns First Farmers Bank Scholarship - news.utm.edu](https://news.google.com/rss/articles/CBMilAFBVV95cUxQeWgxTlgyMFd5ejJZZkVoMFpqN2o4bzRsamtlUXN5QWZZU3pGZmI0aFJsdzZ5WW1QbXFZSEF3akFoOGhPNTFPTWUxeGswTm9MVEFpb21mN3NZWlFUTk9naXJaM0I0elF6ZXZsaGc5RGVDcGhmN2JqanhWQlI2b0xsN3IyTGVwUllQUWpsX042RlQ4QW9i?oc=5) · news.utm.edu

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8661 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "8661", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide