First National Bank of Pulaski
Pulaski, TN · Cert 15572 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · First Pulaski National Corp.
National charter · OCC · 13 branches
Q2 2026
$1.5BAssets
$1.0BLoans
$1.3BDeposits
$150.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of banks $1B-$10B in assets operating regionally (rank 34 of 178).
- Widest gap: total risk-based capital ratio trails 84% of banks $1B-$10B in assets operating regionally (rank 150 of 178).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.40%
Rank 61 of 178
Net Interest Margin
3.55%
Rank 94 of 178
Efficiency Ratio
53.56%
Rank 55 of 178
Equity / Assets
10.05%
Rank 99 of 178
Non-interest income vs. expense
Unfavorable gap of $26.1M · efficiency ratio beats 70% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.91% | 1.25% | 1.53% | Beats 66% | 61 / 178 | |
| Return on Equity | 13.96% | 9.18% | 11.89% | 14.44% | Beats 69% | 56 / 178 | |
| Net Interest Margin | 3.55% | 3.22% | 3.56% | 3.91% | Beats 47% | 94 / 178 | |
| Efficiency Ratio | 53.56% | 52.04% | 58.90% | 67.10% | Beats 70% | 55 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.29% | 0.60% | 1.26% | Beats 82% | 34 / 178 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 42% | 106 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 11.32% | 11.19% | 12.72% | 14.14% | Beats 28% | 129 / 178 | |
| Total Risk-Based Capital Ratio | 11.32% | 11.91% | 13.63% | 15.33% | Beats 16% | 150 / 178 | |
| Equity / Assets | 10.05% | 9.12% | 10.35% | 11.80% | Beats 44% | 99 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 77.26% | 80.94% | 89.92% | 97.12% | 15th pctl | 152 / 178 | |
| Loans / Assets | 68.70% | 69.25% | 75.52% | 80.96% | 21st pctl | 141 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |