First Farmers and Merchants Corporation, the holding company for First Farmers and Merchants Bank (OTC PINK: FFMH), is proud to announce its expansion into the Chattanooga market through the addition of a new commercial lending team. This move marks a significant step in the bank’s strategic growth plan and reinforces its commitment to supporting businesses across the Southeast.
The expansion reflects First Farmers’ ongoing commitment to thoughtful, sustainable growth and its mission to serve as a true financial partner to businesses and individuals throughout Tennessee. By establishing a local presence, First Farmers aims to build long-term relationships and deliver the responsive, high-touch service clients have come to expect. Chattanooga is experiencing strong economic momentum, with notable growth in manufacturing, logistics, healthcare, professional services, and small business entrepreneurship. The area’s relationship-oriented business culture aligns closely with First Farmers’ values and approach.
“Chattanooga is a natural extension of our footprint,” said Brian K. Williams, Chief Executive Officer for First Farmers. “We see tremendous potential in this market—not just in terms of economic growth, but in the opportunity to build meaningful relationships with business owners and individuals who value a banking partner who understands their needs and invests in their success.”
The Team
Led by Bryan Fryar, Senior Commercial Relationship Manager, and Jennifer Griffin, Commercial Relationship Manager, the team brings a combined 61 years of commercial banking experience—all rooted in the Chattanooga market. Supporting them is Allison Gifford, Commercial Loan Portfolio Manager, who adds 27 years of local industry expertise. Together, they form a seasoned and well-connected group of commercial bankers on the ground in Chattanooga with deep relationships across the region. Their collective strengths in C&I lending, owner-occupied real estate, and high-net-worth client services aligns seamlessly with First Farmers’ capabilities and strategic focus.
“Our goal is to be more than just a lender—we want to be a trusted advisor and advocate for our clients,” said Williams. “We’re excited to bring our community banking model to Chattanooga and look forward to becoming part of the fabric of this dynamic city.”
The commercial lending team will be based in Chattanooga and will work closely with local businesses and individuals to provide customized lending solutions, including commercial real estate, equipment financing, working capital lines of credit, and a full suite of Treasury Management services.
About First Farmers and Merchants Corporation and First Farmers and Merchants Bank
Founded in 1909, First Farmers built its reputation on personalized service, local decision-making, and a deep understanding of the communities it serves. With decades of experience in commercial lending, the bank has become a trusted partner for small, mid-sized, and large businesses seeking tailored financial solutions and long-term relationships.
First Farmers and Merchants Corporation is the holding company for First Farmers and Merchants Bank, a community bank serving the Middle Tennessee area through 22 offices in seven Middle Tennessee counties. As of September 30, 2025, First Farmers reported total assets of approximately $1.7 billion, total shareholders’ equity of approximately $164 million, and administered trust assets of $6.7 billion. For more information about First Farmers, visit them on the web at www.myfirstfarmers.com under “Investor Relations.”
