First Bank of Tennessee
Spring City, TN · Cert 10693 · Peer group: banks under $1B in assets operating regionally (n=104-105)
FDIC · 13 branches
Q2 2024
$683.0MAssets
$481.5MLoans
$619.3MDeposits
$48.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 76% of banks under $1B in assets operating regionally (rank 25 of 104).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets operating regionally (rank 105 of 105).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-3.18%
Rank 104 of 105
Net Interest Margin
3.79%
Rank 25 of 104
Efficiency Ratio
165.56%
Rank 104 of 105
Equity / Assets
7.10%
Rank 92 of 105
Non-interest income vs. expense
Unfavorable gap of $47.9M · efficiency ratio beats 2% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.18% | 0.48% | 0.77% | 1.09% | Beats 1% | 104 / 105 | |
| Return on Equity | -44.77% | 5.36% | 8.82% | 11.64% | Beats 1% | 104 / 105 | |
| Net Interest Margin | 3.79% | 2.92% | 3.37% | 3.78% | Beats 76% | 25 / 104 | |
| Efficiency Ratio | 165.56% | 62.51% | 70.97% | 80.37% | Beats 2% | 104 / 105 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.11% | 0.35% | 0.90% | Beats 35% | 69 / 105 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.04% | Beats 29% | 76 / 105 | |
| Capital |
| Tier 1 Capital Ratio | 8.34% | 10.07% | 11.65% | 13.82% | Beats 0% | 105 / 105 | |
| Total Risk-Based Capital Ratio | 8.34% | 10.29% | 12.23% | 14.84% | Beats 0% | 105 / 105 | |
| Equity / Assets | 7.10% | 7.81% | 9.13% | 10.85% | Beats 12% | 92 / 105 | |
| Liquidity & Funding |
| Loans / Deposits | 77.74% | 76.72% | 84.74% | 93.36% | 30th pctl | 74 / 105 | |
| Loans / Assets | 70.49% | 66.82% | 71.77% | 79.22% | 45th pctl | 58 / 105 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |