First National Bank (Oneida, TN)
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Data as of · sourced from FFIEC call reports. How we update
First National Bank is an FDIC-insured commercial bank headquartered in Oneida, TN, established in 1904 (FDIC certificate 4958), and it is supervised by the OCC. At Q2 2026 it reported total assets of $367.8M, up 7.4% from Q2 2025, the 66th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 18.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4958
- Headquarters
- Oneida, TN
- Established
- 1904
- Total assets, Q2 2026
- $367.8M
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 18.69%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064204444
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank call report
- Asset rank in state
- 66th of 109 in Tennessee
First National Bank is one of the more profitable banks of its size. Based in Oneida, Tennessee, it had $368 million in assets at June 30, 2026, up 7.4% from a year earlier. It returns 21.5% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 4.57 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 53 cents to bring in each dollar of revenue.
Net income for the quarter rose 12% from a year earlier, to $1.8 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.1 million equal 15% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, First National Bank reported a CET1 capital ratio of 18.69%, a return on assets of 1.98%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank is the 66th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 2.5% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 46.7% of total loans, followed by construction and land development loans at 13.8%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TN; its Oneida office books 64% of its branch deposits. Judged on its Q2 2026 call report, First National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19260 Alberta St, Oneida, TN 37841
- County
- Scott
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $328.0M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $373.9M
- Average total loans
- $229.7M
- Average interest-bearing deposits
- $256.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4958
- Fed RSSD
- 966731
- Website
- www.fnboneida.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank's total assets ranged from $309.5M (Q3 2023) to $367.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$367.8M total assets against $342.6M; $332.5M total liabilities against $312.5M.
$226.0M net loans and leases against $206.7M; $328.0M total deposits against $308.1M.
$96.4M securities against $100.0M; $30.1M cash and balances due against $20.3M.
$5.6M total interest income against $5.1M; $1.6M total interest expense against $1.5M.
$4.0M net interest income against $3.6M.
$599K total noninterest income against $567K; $2.5M total noninterest expense against $2.4M.
$175K provision for credit losses against $0.
$1.8M net income against $1.6M.
1.98% return on assets against 1.88%; 4.57% net interest margin against 4.18%.
18.69% CET1 capital ratio against 18.55%; 10.98% tier 1 leverage ratio against 10.85%.
Inside the full First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank rankings
Its closest position to the top of a national ranking is 513 of 3,611, for ROA; its furthest is 2,458 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q4 2025) to 1.98% (Q2 2026) and its net interest margin ran from 3.97% (Q3 2024) to 4.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.69% | 1.98% | 0.27% | 1.53% | 4.57% |
| Q1 2026 | 18.60% | 1.87% | 0.18% | 1.03% | 4.39% |
| Q4 2025 | 18.61% | 1.21% | 0.86% | 4.71% | 4.48% |
| Q3 2025 | 18.51% | 1.85% | 0.74% | 4.18% | 4.43% |
| Q2 2025 | 18.55% | 1.88% | 0.30% | 1.81% | 4.18% |
| Q1 2025 | 18.49% | 1.95% | 0.52% | 3.07% | 4.14% |
| Q4 2024 | 18.29% | 1.45% | 0.27% | 1.66% | 4.00% |
| Q3 2024 | 18.26% | 1.70% | 0.19% | 1.07% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Oneida | Oneida , TN | 37841 | $208.8M |
| Central Branch | Helenwood , TN | 37755 | $71.6M |
| Lafollette Branch | La Follette , TN | 37766 | $28.0M |
| Winfield Branch | Winfield , TN | 37892 | $19.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 16, 1937 | Structure Change | Acquired Robbins Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 89 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $30K approved, $15K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank
What are First National Bank's total assets?
As of the Q2 2026 filing, First National Bank reported total assets of $367.8 million in its FFIEC call report.
Where is First National Bank headquartered?
It is headquartered in Oneida, TN, United States.
When was First National Bank founded?
It was established in 1904, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC.
What is First National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank's Texas Ratio?
Its Texas Ratio is 1.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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