Bank Comparison
First National Bank of Middle Tennessee vs Spiritbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Middle Tennessee | Spiritbank |
|---|---|---|
| CET1 Ratio | — | 12.96% |
| Tier 1 Capital Ratio | — | 12.96% |
| Total Capital Ratio | — | 14.20% |
| Tier 1 Leverage Ratio | 10.03% | 9.16% |
| Equity / Assets | 9.68% | 8.92% |
Profitability
| Metric | First National Bank of Middle Tennessee | Spiritbank |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 1.23% |
| Return on Equity (ROE) | 10.93% | 13.45% |
| Net Interest Margin (NIM) | 3.47% | 3.53% |
| Yield on Earning Assets | 5.53% | 5.87% |
| Cost of Funds | 2.15% | 2.50% |
Asset quality
| Metric | First National Bank of Middle Tennessee | Spiritbank |
|---|---|---|
| Texas Ratio | 6.46% | 15.33% |
| Non-Performing Loan Ratio | 0.65% | 2.15% |
| Non-Performing Asset Ratio | 0.53% | 1.42% |
| Net Charge-Off Ratio | 0.00% | -0.43% |
| ACL / Loans | 1.04% | 1.24% |
Balance sheet
| Metric | First National Bank of Middle Tennessee | Spiritbank |
|---|---|---|
| Total Assets | $940,511K | $939,588K |
| Total Deposits | $829,455K | $847,210K |
| Total Loans | $770,665K | $618,358K |
| Total Equity | $91,060K | $83,768K |
| Net Income (quarter) | $2,458K | $2,831K |
Liquidity & funding
| Metric | First National Bank of Middle Tennessee | Spiritbank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.91% | 72.99% |
| Core Deposit Ratio | 85.27% | 91.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Middle Tennessee | Spiritbank |
|---|---|---|
| Headquarters City | MCMINNVILLE | TULSA |
| Headquarters State | TN | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 2221 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 11 | 6 |
| Employees (FTE) | 166 | 119 |
| Established | Oct. 30, 1874, midnight | May 5, 1916, 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.
View full First National Bank of Middle Tennessee profile | View full Spiritbank profile | Browse all bank comparisons