Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
120 Village Drive
Portland, TN 37148

The Farmers Bank (TN) is headquartered in Portland and is the 30th largest bank in the state of Tennessee. It is also the 1,220th largest bank in the nation. It was established in 1912 and as of March of 2014, it had grown to 145 employees at 10 locations. The Farmers Bank (TN) has a B+ health rating.

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Farmers Bank (TN) had $12.5 million in non-current loans and owned real-estate with $61.32 million in equity and loan loss allowances on hand to cover it. This gives The Farmers Bank (TN) a Texas Ratio of 20.38% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Farmers Bank (TN) decreased dramatically from 34.46% as of March 31, 2013 to 20.38% as of March 31, 2014, resulting in a positive change of 40.86%.This indicates that the balance sheet and financial strength for The Farmers Bank (TN) has improved dramatically in recent periods.

Deposit Growth


In the past year, The Farmers Bank (TN) has increased its total deposits by $18.11 million, resulting in 3.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Farmers Bank (TN) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Farmers Bank (TN) has $551.99 million in assets with $61.32 million in equity, resulting in a capitalization level of 11.11%, which is excellent.

Institution Statistics

FDIC Certificate #1696
Year Established1912
Primary RegulatorFDIC
Assets and Liabilities
Assets$551.99 million
Loans$313.22 million
Deposits$475.05 million
Equity Capital$55.36 million
Loan Loss Allowance$5.96 million
Unbacked Noncurrent Loans$10.46 million
Real Estate Owned$2.04 million
Historic Data - March 2013
Assets$533.29 million
Equity Capital$55.19 million
Loan Loss Allowance$5.42 million
Unbacked Noncurrent Loans$10.46 million
Real Estate Owned$3.26 million
Profit Margin - Quarterly
Return on Assets0.62%
Return on Equity6.2%
Interest Income$5.74 million

Sorry, we do not have rate data for The Farmers Bank (TN)


The Farmers Bank (TN) Locations
Portland North Broadway Branch107 North BroadwayPortland, TN 37148
The Farmers Bank120 Village DrivePortland, TN 37148
Springfield Branch1203 Memorial BoulevardSpringfield, TN 37172
Millersville Branch1250 Louisville HighwayGoodlettsville, TN 37072
Ridgetop Branch1765 Hwy 41 SouthRidgetop, TN 37152
White House Branch2790 Highway 31-WWhite House, TN 37188
Tom Austin Highway - Springfield Office3490 Tom Austin HighwaySpringfield, TN 37172
White House Branch515 Highway 76White House, TN 37188
Westmoreland Branch5804 Austin Peay HighwayWestmoreland, TN 37186
Cross Plains Office7836 Highway 25Cross Plains, TN 37049