FIRST NATIONAL BANK

FIRST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in ONEIDA, TN, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $357M and total deposits of $319M. Profitability stands at 1.22% ROA and 12.90% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 18.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.67% and a Texas Ratio of 3.67%. FDIC Certificate #4958.