First Citizens National Bank
Dyersburg, TN · Cert 4972 · Peer group: banks $1B-$10B in assets (n=284-290)
FDIC · 25 branches
Q4 2025
$2.7BAssets
$1.6BLoans
$2.3BDeposits
$231.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 55% of banks $1B-$10B in assets (rank 128 of 284).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets (rank 288 of 290).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.90%
Rank 207 of 290
Net Interest Margin
2.51%
Rank 261 of 290
Efficiency Ratio
65.72%
Rank 206 of 290
Equity / Assets
8.72%
Rank 240 of 290
Non-interest income vs. expense
Unfavorable gap of $37.8M · efficiency ratio beats 29% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.82% | 1.09% | 1.41% | Beats 29% | 207 / 290 | |
| Return on Equity | 10.37% | 8.04% | 10.59% | 13.08% | Beats 46% | 156 / 290 | |
| Net Interest Margin | 2.51% | 2.87% | 3.28% | 3.78% | Beats 10% | 261 / 290 | |
| Efficiency Ratio | 65.72% | 53.76% | 60.51% | 67.14% | Beats 29% | 206 / 290 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.22% | 0.49% | 0.91% | Beats 55% | 128 / 284 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.71% | 11.52% | 13.11% | 15.22% | Beats 1% | 286 / 290 | |
| Total Risk-Based Capital Ratio | 9.71% | 12.41% | 14.01% | 16.12% | Beats 1% | 288 / 290 | |
| Equity / Assets | 8.72% | 8.94% | 10.29% | 11.70% | Beats 17% | 240 / 290 | |
| Liquidity & Funding |
| Loans / Deposits | 70.45% | 75.78% | 87.64% | 95.53% | 15th pctl | 240 / 284 | |
| Loans / Assets | 60.14% | 64.43% | 74.03% | 79.86% | 17th pctl | 237 / 284 | |
| Brokered Deposits / Deposits | 2.86% | n/a | 2.01% | 8.63% | Beats 47% | 153 / 285 | |