First National Bank of Pulaski
Pulaski, TN · Cert 15572 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 83% of banks $1B-$10B in assets operating regionally (rank 32 of 176).
- Widest gap: total risk-based capital ratio trails 83% of banks $1B-$10B in assets operating regionally (rank 146 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.40%
Rank 61 of 176
Net Interest Margin
3.55%
Rank 95 of 176
Efficiency Ratio
53.56%
Rank 51 of 176
Equity / Assets
10.05%
Rank 100 of 176
Non-interest income vs. expense
Unfavorable gap of $26.1M · efficiency ratio beats 72% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.93% | 1.26% | 1.54% | Beats 65% | 61 / 176 | | |
| Return on Equity | 13.96% | 9.26% | 11.89% | 14.46% | Beats 68% | 56 / 176 | | |
| Net Interest Margin | 3.55% | 3.25% | 3.59% | 3.93% | Beats 46% | 95 / 176 | | |
| Efficiency Ratio | 53.56% | 52.79% | 59.55% | 67.66% | Beats 72% | 51 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.30% | 0.64% | 1.32% | Beats 83% | 32 / 176 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 42% | 104 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.32% | 11.15% | 12.72% | 14.15% | Beats 30% | 124 / 176 | | |
| Total Risk-Based Capital Ratio | 11.32% | 11.81% | 13.63% | 15.33% | Beats 17% | 146 / 176 | | |
| Equity / Assets | 10.05% | 9.16% | 10.35% | 11.80% | Beats 43% | 100 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.26% | 80.94% | 89.73% | 97.21% | 15th pctl | 150 / 176 | | |
| Loans / Assets | 68.70% | 69.25% | 75.12% | 80.82% | 22nd pctl | 138 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |