First Peoples Bank of Tennessee
Jefferson City, TN · Cert 21874 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 182 of 743).
- Widest gap: equity / assets trails 58% of banks under $1B in assets operating in a single state (rank 432 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.10%
Rank 351 of 746
Net Interest Margin
4.14%
Rank 195 of 746
Efficiency Ratio
67.05%
Rank 422 of 746
Equity / Assets
9.97%
Rank 432 of 746
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 44% of banks under $1B 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 | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 351 / 746 | | |
| Return on Equity | 11.04% | 6.74% | 10.51% | 13.63% | Beats 55% | 336 / 746 | | |
| Net Interest Margin | 4.14% | 3.17% | 3.68% | 4.16% | Beats 74% | 195 / 746 | | |
| Efficiency Ratio | 67.05% | 55.74% | 64.58% | 75.47% | Beats 44% | 422 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.42% | 1.07% | Beats 76% | 182 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 246 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.94% | 11.55% | 13.75% | 17.60% | Beats 52% | 359 / 746 | | |
| Total Risk-Based Capital Ratio | 15.20% | 11.71% | 14.33% | 18.43% | Beats 57% | 318 / 746 | | |
| Equity / Assets | 9.97% | 8.90% | 10.51% | 13.06% | Beats 42% | 432 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.03% | 61.31% | 78.27% | 90.78% | 65th pctl | 264 / 746 | | |
| Loans / Assets | 72.94% | 53.60% | 66.97% | 76.08% | 66th pctl | 255 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |