Bank Comparison
First National Bank of Middle Tennessee vs First Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Middle Tennessee | First Commerce Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.03% | 10.29% |
| Equity / Assets | 9.68% | 10.23% |
Profitability
| Metric | First National Bank of Middle Tennessee | First Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 1.85% |
| Return on Equity (ROE) | 10.93% | 17.76% |
| Net Interest Margin (NIM) | 3.47% | 4.54% |
| Yield on Earning Assets | 5.53% | 6.50% |
| Cost of Funds | 2.15% | 2.12% |
Asset quality
| Metric | First National Bank of Middle Tennessee | First Commerce Bank |
|---|---|---|
| Texas Ratio | 6.46% | 0.65% |
| Non-Performing Loan Ratio | 0.65% | 0.05% |
| Non-Performing Asset Ratio | 0.53% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.04% | 0.85% |
Balance sheet
| Metric | First National Bank of Middle Tennessee | First Commerce Bank |
|---|---|---|
| Total Assets | $940,511K | $937,413K |
| Total Deposits | $829,455K | $829,628K |
| Total Loans | $770,665K | $724,192K |
| Total Equity | $91,060K | $95,926K |
| Net Income (quarter) | $2,458K | $4,237K |
Liquidity & funding
| Metric | First National Bank of Middle Tennessee | First Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.91% | 87.29% |
| Core Deposit Ratio | 85.27% | 76.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Middle Tennessee | First Commerce Bank |
|---|---|---|
| Headquarters City | MCMINNVILLE | LEWISBURG |
| Headquarters State | TN | TN |
| Asset Tier | Medium | Medium |
| Charter Class | 2221 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 11 | 6 |
| Employees (FTE) | 166 | 102 |
| Established | Oct. 30, 1874, midnight | Dec. 2, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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