First National Bank of Middle Tennessee
McMinnville, TN · Cert 4952 · Peer group: banks under $1B in assets (n=581-629) · First McMinnville Corp.
National charter · OCC · 11 branches
Q2 2026
$952.4MAssets
$791.1MLoans
$827.7MDeposits
$93.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets (rank 215 of 581).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets (rank 561 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.03%
Rank 308 of 629
Net Interest Margin
3.28%
Rank 399 of 629
Efficiency Ratio
66.09%
Rank 278 of 629
Equity / Assets
9.79%
Rank 396 of 629
Non-interest income vs. expense
Unfavorable gap of $17.1M · efficiency ratio beats 56% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.60% | 1.01% | 1.45% | Beats 51% | 308 / 629 | |
| Return on Equity | 10.49% | 5.38% | 9.30% | 13.28% | Beats 56% | 274 / 629 | |
| Net Interest Margin | 3.28% | 3.03% | 3.54% | 4.05% | Beats 37% | 399 / 629 | |
| Efficiency Ratio | 66.09% | 58.35% | 67.79% | 79.08% | Beats 56% | 278 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 63% | 215 / 581 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 15% | 493 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.03% | 11.24% | 13.84% | 18.77% | Beats 12% | 556 / 629 | |
| Total Risk-Based Capital Ratio | 10.03% | 11.58% | 14.43% | 19.66% | Beats 11% | 561 / 629 | |
| Equity / Assets | 9.79% | 9.09% | 10.65% | 13.80% | Beats 37% | 396 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 95.57% | 67.24% | 80.90% | 93.48% | 79th pctl | 122 / 594 | |
| Loans / Assets | 83.06% | 53.31% | 67.71% | 78.15% | 88th pctl | 76 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |