TellerScore

Farmers Bank (FDIC certificate #8661) is based in Parsons, Tennessee. Its Q2 2026 call report shows $94.8M in total assets and $85.8M in deposits and 1 office.

Farmers Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 18% of its 546 banks with under $100 million in assets. Among 109 banks headquartered in Tennessee, it ranks 90th. Loan quality contributes the most (90/100, 0.31%); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.06%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.31%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 89.2% · 13.3% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (63 → 60), mostly because the earnings component weakened by 12 points.

TellerScore
576573Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202470
Q4 202469
Q1 202569
Q2 202563
Q3 202571
Q4 202560
Q1 202657
Q2 202660
Tier 1 leverage ratio
5.00%7.96%10.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.86%
Q3 20249.77%
Q4 20249.27%
Q1 20259.62%
Q2 20259.44%
Q3 202510.91%
Q4 20259.98%
Q1 202610.00%
Q2 20269.06%
Noncurrent loans
0.00%0.44%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.36%
Q4 20240.17%
Q1 20250.00%
Q2 20250.41%
Q3 20250.00%
Q4 20250.89%
Q1 20260.77%
Q2 20260.31%
Return on assets
0.21%0.60%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.90%
Q4 20240.85%
Q1 20250.57%
Q2 20250.52%
Q3 20250.57%
Q4 20250.58%
Q1 20260.21%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$94.8M9.06%0.31%0.23%89.2%
Q1 202657$82.7M10.00%0.77%0.21%98.1%
Q4 202560$81.4M9.98%0.89%0.58%91.4%
Q3 202571$75.5M10.91%0.00%0.57%94.8%
Q2 202563$71.6M9.44%0.41%0.52%89.5%
Q1 202569$67.9M9.62%0.00%0.57%85.6%
Q4 202469$70.9M9.27%0.17%0.85%75.8%
Q3 202470$68.8M9.77%0.36%0.90%73.6%
Q2 202473$60.8M10.86%0.31%0.98%83.1%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.06%
10th
Total risk-based capital0.00%
27th
Problem loans0.31%
53rd
Net charge-offs0.00%
36th
Return on assets0.23%
18th
Net interest margin5.31%
93rd
Efficiency ratio88.0%
20th
Loans to deposits89.2%
19th
Uninsured deposits13.3%
60th
Loan-loss reserves1.06%
38th
Texas ratio6.5%
29th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Lawrenceburg Federal BankBank Lawrenceburg, TN79 out of 100, Strong$95.2M18.4%0.41%vs
Union Bank & Trust CompanyBank Livingston, TN66 out of 100, Moderate$98.1M12.9%2.63%vs
Highland Federal Savings and Loan AssociationBank Crossville, TN89 out of 100, Very strong$79.0M22.2%0.00%vs
The Lauderdale County BankBank Halls, TN67 out of 100, Moderate$67.5M11.5%1.50%vs
Brighton BankBank Brighton, TN63 out of 100, Moderate$51.0M9.8%0.07%vs

Deposit insurance

Is my money safe at Farmers Bank?

Yes. Farmers Bank is an FDIC-insured institution (FDIC certificate #8661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.3% of deposits ($11.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Farmers Bank lists 1 office in 1 city. Most locations:

  • Parsons, TN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers Bank
Former names
The Farmer's Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
8661
RSSD ID
524757
Primary regulator
FED
Holding company
Townsend Financial Corp
Established
March 9, 1907
Headquarters
29 E Main St, Parsons, TN 38363
Employees
26

Quick answers

Farmers Bank: common questions

Is Farmers Bank FDIC insured?

Yes. Farmers Bank is an FDIC-insured institution (FDIC certificate #8661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Bank ever failed?

There is no failure record for FDIC certificate #8661 in the FDIC failed bank list.

How many branches does Farmers Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Parsons

InstitutionScoreAssetsCapitalProblem loansCompare
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
Bank of Perry CountyBank Lobelville, TN71 out of 100, Strong$253.1M9.1%0.38%vs
Community BankBank Lexington, TN64 out of 100, Moderate$357.5M10.6%0.71%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
The Peoples BankBank Sardis, TN62 out of 100, Moderate$113.1M10.6%1.21%vs