First Peoples Bank of Tennessee
Jefferson City, TN · Cert 21874 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · First Peoples Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$219.5MAssets
$160.1MLoans
$188.3MDeposits
$21.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets operating in a single state (rank 181 of 748).
- Widest gap: equity / assets trails 60% of banks under $1B in assets operating in a single state (rank 448 of 752).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.10%
Rank 359 of 752
Net Interest Margin
4.14%
Rank 205 of 752
Efficiency Ratio
67.05%
Rank 428 of 752
Equity / Assets
9.97%
Rank 448 of 752
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.07% | 1.45% | Beats 52% | 359 / 752 | |
| Return on Equity | 11.04% | 6.78% | 10.58% | 13.65% | Beats 55% | 342 / 752 | |
| Net Interest Margin | 4.14% | 3.18% | 3.69% | 4.17% | Beats 73% | 205 / 752 | |
| Efficiency Ratio | 67.05% | 55.75% | 64.49% | 75.47% | Beats 43% | 428 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.42% | 1.03% | Beats 76% | 181 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 244 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 13.94% | 11.55% | 13.75% | 17.60% | Beats 52% | 362 / 752 | |
| Total Risk-Based Capital Ratio | 15.20% | 11.70% | 14.33% | 18.47% | Beats 57% | 323 / 752 | |
| Equity / Assets | 9.97% | 8.93% | 10.56% | 13.13% | Beats 40% | 448 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 85.03% | 62.23% | 78.64% | 91.26% | 64th pctl | 274 / 752 | |
| Loans / Assets | 72.94% | 54.61% | 67.41% | 76.47% | 65th pctl | 265 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |