BanksFIRST PEOPLES BANK OF TENNESSEE

FIRST PEOPLES BANK OF TENNESSEE

JEFFERSON CITY, TNSmallEst. Jan. 2, 1975, midnightFDIC #21874RSSD #421539FDIC
Latest · 2025-12-31

FIRST PEOPLES BANK OF TENNESSEE is an FDIC-insured commercial bank headquartered in JEFFERSON CITY, TN, established in Jan. 2, 1975, midnight. As of 2025-12-31, the bank reported total assets of $228M and total deposits of $197M. Profitability stands at 0.72% ROA and 7.71% ROE, with a net interest margin of 4.13%. CET1 capital ratio: 14.18%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.56%. Operates 5 domestic branches.

Assets
$228M
Deposits
$197M
Loans
$148M
Equity
$21M

Profitability

Return on Assets (ROA)0.72%
Return on Equity (ROE)7.71%
Net Interest Margin4.13%
Yield on Assets5.66%
Cost of Funds1.63%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.00%
Texas Ratio0.56%
NPA Ratio0.06%
ACL / Loans1.63%

Capital & Liquidity

CET1 Ratio14.18%
Tier 1 Capital14.18%
Total Capital Ratio15.44%
Leverage Ratio11.37%
Loan-to-Deposit75.40%

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