First Farmers and Merchants Bank: A Legacy of Financial Stability and Growth in Columbia, TN

First Farmers and Merchants Bank (FFMB) is a well-established financial institution that has been serving the Columbia, Tennessee community for over 120 years. With a rich history of supporting local businesses and individuals, FFMB has become a trusted and respected provider of banking services.

The Early Years: A Journey of Growth

Established in 1899, FFMB initially operated as a modest savings bank. However, the bank's dedicated leadership and customer-centric approach soon fueled its growth. By the early 20th century, FFMB had expanded its offerings to include commercial lending, mortgages, and other banking products.

Navigating Economic Challenges: A Tale of Resilience

FFMB faced numerous economic challenges throughout its history, including the Great Depression and the 2008 financial crisis. However, the bank's sound financial management and unwavering commitment to its customers enabled it to weather these storms.

A Commitment to Community: Building Strong Partnerships

FFMB is deeply embedded in the Columbia community. The bank actively supports local businesses, non-profit organizations, and community events. Its employees are known for their volunteerism and civic engagement, further strengthening the bank's connection to the community.

Financial Services for Every Need: A Comprehensive Approach

Today, FFMB offers a broad range of financial services to meet the diverse needs of its customers. These services include:

• Personal banking (savings and checking accounts, loans, mortgages)
• Business banking (commercial lending, cash management, advisory services)
• Wealth management (investment planning, trust services, retirement solutions)
• Mortgage lending (home loans, refinancing, construction financing)

A Team of Dedicated Professionals: The Key to Success

FFMB's team of experienced and knowledgeable professionals is passionate about providing exceptional customer service. The bank's employees are committed to understanding each customer's unique financial goals and tailoring solutions to meet their needs.

Financial Strength: A Foundation of Stability

FFMB's financial strength is evident in its solid capital base, high liquidity, and sound risk management practices. The bank has consistently maintained a high rating from Moody's Investors Service.

| Year | Moody's Rating |
|---|---|---|
| 2019 | A2 |
| 2020 | A2 |
| 2021 | A2 |

Branch Network and Convenience

FFMB operates conveniently located branches throughout Columbia, Tennessee. The bank's branches offer a full range of banking services and provide personalized attention to each customer.

Online and Mobile Banking: Banking at Your Fingertips

FFMB offers a user-friendly online banking platform and mobile app that allow customers to manage their finances anytime, anywhere. Customers can view account balances, transfer funds, pay bills, and deposit checks using their mobile devices.

Tips and Tricks for Effective Banking

• Monitor your account activity regularly. Check your statements and online account for any unauthorized transactions.
• Set up fraud alerts and notifications. Receive instant alerts if suspicious activity is detected on your account.
• Use strong passwords and keep them secure. Avoid using easily guessable passwords and change them regularly.
• Protect your personal information. Never share your Social Security number, account numbers, or PIN with anyone.
• Be vigilant about phishing scams. Watch out for emails or texts that request sensitive information.

Stories of Impact: FFMB Making a Difference

Story 1: Supporting Local Entrepreneurship

FFMB provided a small business loan to a young entrepreneur who needed funding to launch her mobile coffee shop. The loan enabled her to purchase equipment, rent a space, and market her business. Today, her coffee shop is a thriving part of the local community.

Story 2: Helping Families Achieve Homeownership

FFMB's mortgage services helped a family purchase their first home. The bank's competitive rates and flexible financing options made it possible for them to realize their dream of homeownership.

Story 3: Empowering Retirees

FFMB's wealth management team helped a couple plan for their retirement. The bank's personalized investment advice and retirement planning services gave them peace of mind and ensured a secure financial future.

What We Learn:

These stories illustrate how FFMB's commitment to its customers has a positive impact on the community. The bank's financial services, community involvement, and dedication to excellence have made it a vital part of Columbia, Tennessee.

Common Mistakes to Avoid When Choosing a Bank

• Rushing into a decision. Take your time to shop around and compare banks.
• Focusing solely on interest rates. Consider other factors such as fees, customer service, and branch convenience.
• Ignoring your financial needs. Choose a bank that offers the products and services that fit your specific situation.
• Overlooking financial stability. Make sure the bank you choose has a solid reputation and a history of financial strength.

Why Choosing First Farmers and Merchants Bank Matters

First Farmers and Merchants Bank is a time-tested and trusted financial institution that offers the following benefits:

• Exceptional customer service
• A wide range of financial products and services
• Competitive rates and fees
• Sound financial management
• A deep commitment to the community

Whether you're looking to open a savings account, secure a business loan, or plan for your retirement, First Farmers and Merchants Bank has the expertise and dedication to help you achieve your financial goals.

Contact Us

To learn more about First Farmers and Merchants Bank or to open an account, visit our website at ffmb.com or call us at (931) 388-2414.

We look forward to serving your financial needs!