First Peoples Bank of Tennessee
Jefferson City, TN · Cert 21874 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 184 of 751).
- Widest gap: equity / assets trails 59% of banks under $1B in assets operating in a single state (rank 449 of 755).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.10%
Rank 353 of 755
Net Interest Margin
4.14%
Rank 202 of 755
Efficiency Ratio
67.05%
Rank 426 of 755
Equity / Assets
9.97%
Rank 449 of 755
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% | 353 / 755 | | |
| Return on Equity | 11.04% | 6.66% | 10.44% | 13.61% | Beats 55% | 339 / 755 | | |
| Net Interest Margin | 4.14% | 3.15% | 3.68% | 4.17% | Beats 73% | 202 / 755 | | |
| Efficiency Ratio | 67.05% | 55.75% | 64.78% | 75.61% | Beats 44% | 426 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.42% | 1.05% | Beats 76% | 184 / 751 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 245 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 13.94% | 11.56% | 13.81% | 17.74% | Beats 51% | 367 / 755 | | |
| Total Risk-Based Capital Ratio | 15.20% | 11.72% | 14.46% | 18.53% | Beats 57% | 327 / 755 | | |
| Equity / Assets | 9.97% | 8.93% | 10.56% | 13.13% | Beats 41% | 449 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.03% | 62.43% | 78.62% | 91.00% | 64th pctl | 274 / 755 | | |
| Loans / Assets | 72.94% | 54.70% | 67.27% | 76.55% | 65th pctl | 264 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |