First National Bank of Tennessee
Livingston, TN · Cert 19502 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
National charter · OCC · 7 branches
Q2 2026
$1.4BAssets
$713.8MLoans
$1.2BDeposits
$158.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 44 of 258).
- Widest gap: total risk-based capital ratio trails 80% of banks $1B-$10B in assets operating in a single state (rank 207 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.64%
Rank 44 of 258
Net Interest Margin
3.93%
Rank 57 of 258
Efficiency Ratio
51.70%
Rank 64 of 257
Equity / Assets
11.45%
Rank 78 of 258
Non-interest income vs. expense
Unfavorable gap of $25.0M · efficiency ratio beats 75% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.93% | 1.23% | 1.54% | Beats 83% | 44 / 258 | | |
| Return on Equity | 14.33% | 9.26% | 11.84% | 14.74% | Beats 71% | 75 / 258 | | |
| Net Interest Margin | 3.93% | 3.16% | 3.49% | 3.88% | Beats 78% | 57 / 258 | | |
| Efficiency Ratio | 51.70% | 51.71% | 60.30% | 69.65% | Beats 75% | 64 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.46% | 0.90% | Beats 64% | 93 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 69% | 82 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 11.41% | 12.98% | 15.12% | Beats 27% | 188 / 258 | | |
| Total Risk-Based Capital Ratio | 11.55% | 12.10% | 13.91% | 16.08% | Beats 20% | 207 / 258 | | |
| Equity / Assets | 11.45% | 9.09% | 10.24% | 11.72% | Beats 70% | 78 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.41% | 73.24% | 86.34% | 95.95% | 7th pctl | 241 / 258 | | |
| Loans / Assets | 51.73% | 63.01% | 72.27% | 78.40% | 7th pctl | 239 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |