FIRST NATIONAL BANK OF MIDDLE TENNESSEE

MCMINNVILLE, TN | Medium | Est. Oct. 30, 1874, midnight | FDIC #4952 | RSSD #87234 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF MIDDLE TENNESSEE is amn medium FDIC-insured commercial bank headquartered in MCMINNVILLE, TN, established in Oct. 30, 1874, midnight. As of 2025-12-31, the bank reported total assets of $938M and total deposits of $828M. Profitability stands at 0.84% ROA and 8.71% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 14.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 4.16%. FDIC Certificate #4952.

Assets

$938M

Deposits

$828M

Loans

$733M

Equity

$89M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 8.71%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.79%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.16%
NPA Ratio 0.43%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 14.90%
Tier 1 Capital 14.90%
Total Capital Ratio 16.18%
Leverage Ratio 9.86%
Loan-to-Deposit 88.56%

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