First Vision Bank of Tennessee
Tullahoma, TN · Cert 58201 · Peer group: banks under $1B in assets (n=581-629) · First Vision Financial Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$414.2MAssets
$296.8MLoans
$357.0MDeposits
$51.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets (rank 136 of 581).
- Widest gap: return on equity trails 57% of banks under $1B in assets (rank 361 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.02%
Rank 309 of 629
Net Interest Margin
3.67%
Rank 271 of 629
Efficiency Ratio
69.81%
Rank 351 of 629
Equity / Assets
12.32%
Rank 211 of 629
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 44% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.60% | 1.01% | 1.45% | Beats 51% | 309 / 629 | | |
| Return on Equity | 8.30% | 5.38% | 9.30% | 13.28% | Beats 43% | 361 / 629 | | |
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 57% | 271 / 629 | | |
| Efficiency Ratio | 69.81% | 58.35% | 67.79% | 79.08% | Beats 44% | 351 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 77% | 136 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 44% | 329 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 17.72% | 11.24% | 13.84% | 18.77% | Beats 72% | 175 / 629 | | |
| Total Risk-Based Capital Ratio | 18.97% | 11.58% | 14.43% | 19.66% | Beats 73% | 168 / 629 | | |
| Equity / Assets | 12.32% | 9.09% | 10.65% | 13.80% | Beats 66% | 211 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.13% | 67.24% | 80.90% | 93.48% | 53rd pctl | 282 / 594 | | |
| Loans / Assets | 71.67% | 53.31% | 67.71% | 78.15% | 58th pctl | 267 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |