First National Bank
Oneida, TN · Cert 4958 · Peer group: banks under $1B in assets (n=581-629)
National charter · OCC · 4 branches
Q2 2026
$367.8MAssets
$232.2MLoans
$328.0MDeposits
$35.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets (rank 67 of 629).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets (rank 434 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.67%
Rank 119 of 629
Net Interest Margin
4.20%
Rank 117 of 629
Efficiency Ratio
53.66%
Rank 109 of 629
Equity / Assets
9.61%
Rank 414 of 629
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 83% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.60% | 1.01% | 1.45% | Beats 81% | 119 / 629 | |
| Return on Equity | 17.35% | 5.38% | 9.30% | 13.28% | Beats 89% | 67 / 629 | |
| Net Interest Margin | 4.20% | 3.03% | 3.54% | 4.05% | Beats 81% | 117 / 629 | |
| Efficiency Ratio | 53.66% | 58.35% | 67.79% | 79.08% | Beats 83% | 109 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.46% | 1.20% | Beats 59% | 241 / 581 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 434 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.69% | 11.24% | 13.84% | 18.77% | Beats 75% | 160 / 629 | |
| Total Risk-Based Capital Ratio | 19.96% | 11.58% | 14.43% | 19.66% | Beats 76% | 154 / 629 | |
| Equity / Assets | 9.61% | 9.09% | 10.65% | 13.80% | Beats 34% | 414 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 70.81% | 67.24% | 80.90% | 93.48% | 32nd pctl | 404 / 594 | |
| Loans / Assets | 63.14% | 53.31% | 67.71% | 78.15% | 41st pctl | 368 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |