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

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	8-Qtr Trend
Earnings
Return on Assets	-3.18%	0.48%	0.77%	1.09%	Beats 1%	104 / 105	n/a
Return on Equity	-44.77%	5.36%	8.82%	11.64%	Beats 1%	104 / 105	n/a
Net Interest Margin	3.79%	2.92%	3.37%	3.78%	Beats 76%	25 / 104	n/a
Efficiency Ratio	165.56%	62.51%	70.97%	80.37%	Beats 2%	104 / 105	n/a
Asset Quality
Nonperforming Loans / Loans	0.76%	0.11%	0.35%	0.90%	Beats 35%	69 / 105	n/a
Net Charge-Offs / Loans	0.04%	0.00%	0.01%	0.04%	Beats 29%	76 / 105	n/a
Capital
Tier 1 Capital Ratio	8.34%	10.07%	11.65%	13.82%	Beats 0%	105 / 105	n/a
Total Risk-Based Capital Ratio	8.34%	10.29%	12.23%	14.84%	Beats 0%	105 / 105	n/a
Equity / Assets	7.10%	7.81%	9.13%	10.85%	Beats 12%	92 / 105	n/a
Liquidity & Funding
Loans / Deposits	77.74%	76.72%	84.74%	93.36%	30th pctl	74 / 105	n/a
Loans / Assets	70.49%	66.82%	71.77%	79.22%	45th pctl	58 / 105	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution