SBA lender profile
First Farmers and Merchants Bank
First Farmers and Merchants Bank appears in the public SBA loan data with 70 funded 7(a) loans since FY2010, totaling $13.0M, an average of $185K per loan, and an estimated 570 jobs supported. Its SBA lending concentrates in Tennessee and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 1.4%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 77
- Scale 30
- Activity 42
- Consistency 70
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First Farmers and Merchants Bank the right lender for you?
Lenders fund what they know. First Farmers and Merchants Bank's SBA lending concentrates in Tennessee (70 loans) and Accommodation and Food Services (13 loans), at an average loan of $185K. If your business does not look like that, a different SBA lender is likely the better fit.
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Bank profile
via FDIC- Total assets
- $1.8B
- Headquarters
- Columbia, TN
- FDIC cert
- #1487
- Status
- Active
Where First Farmers and Merchants Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Tennessee | 70 | $13.0M |
What First Farmers and Merchants Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 13 | $2.1M |
| Health Care and Social Assistance | 11 | $1.6M |
| Construction | 5 | $1.6M |
| Transportation and Warehousing | 3 | $1.5M |
| Retail Trade | 12 | $1.3M |
| Other Services | 4 | $1.2M |
First Farmers and Merchants Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 9 | $344K |
| 2011 | 5 | $1.2M |
| 2012 | 7 | $946K |
| 2013 | 1 | $30K |
| 2014 | 5 | $331K |
| 2015 | 6 | $860K |
| 2016 | 6 | $525K |
| 2020 | 1 | $485K |
| 2021 | 3 | $473K |
| 2022 | 6 | $2.8M |
| 2023 | 3 | $193K |
| 2024 | 6 | $1.0M |
| 2025 | 10 | $2.7M |
| 2026 | 2 | $964K |
Related SBA lenders
Other lenders active in Tennessee or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
First Farmers and Merchants Bank: frequently asked questions
Does First Farmers and Merchants Bank offer SBA loans?
Yes. First Farmers and Merchants Bank appears in the public SBA data with 70 funded SBA 7(a) loans totaling $13.0M.
How many SBA loans has First Farmers and Merchants Bank made?
First Farmers and Merchants Bank is associated with 70 SBA 7(a) loans totaling $13.0M in the public SBA data (as of 2026-03-31).
What is First Farmers and Merchants Bank's SBA charge-off rate?
About 1.4% of First Farmers and Merchants Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does First Farmers and Merchants Bank do most of its SBA lending?
First Farmers and Merchants Bank's SBA lending in the data is most concentrated in Tennessee, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). First Farmers and Merchants Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-farmers-and-merchants-bank/
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