First National Bank
First National Bank is an FDIC-insured commercial bank. Total assets stand at $368M. Profitability is strong — 1.87% ROA, paired with 20.55% ROE and a 4.39% net interest margin. Regulatory capital is solid — 18.60% CET1 and 19.86% total risk-based capital ratio. Asset quality is pristine — 0.18% NPLs and a 1.03% Texas Ratio. It operates 4 branches, primarily in Tennessee.
Headquarters Profile
- Address
- 19260 Alberta St, ONEIDA, TN 37841
- County
- Scott
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- January 1, 1904
- Branches
- 4 domestic
- Employees (FTE)
- 52
- FDIC Cert
- 4958
- Fed RSSD
- 966731
- Website
- www.fnboneida.com →
Capital & Liquidity
Inside the full First National Bank terminal
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First National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Similar banks
Compare First National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about First National Bank
What are First National Bank's total assets?
As of the Q1 2026 filing, First National Bank reported total assets of $367.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank headquartered?
First National Bank is headquartered in ONEIDA, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank founded?
First National Bank was established in 1904, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. First National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank's CET1 capital ratio?
First National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.60% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank operate?
First National Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank's Texas Ratio?
First National Bank's Texas Ratio is 1.03% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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