First National Bank of Middle Tennessee
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Middle Tennessee is an FDIC-insured commercial bank headquartered in McMinnville, TN, established in 1874 (FDIC certificate 4952), and it is supervised by the OCC. At Q2 2026 it reported total assets of $952.4M, up 4.6% from Q2 2025, the 33rd largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4952
- Headquarters
- McMinnville, TN
- Established
- 1874
- Total assets, Q2 2026
- $952.4M
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 10.03%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 064101589
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Middle Tennessee call report
- Holding company
- FIRST MCMINNVILLE CORPORATION
- Asset rank in state
- 33rd of 109 in Tennessee
Problem loans are falling at First National Bank of Middle Tennessee. Based in Mcminnville, Tennessee, it had $952 million in assets at June 30, 2026, up 4.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.22% of loans from 1.12% a year earlier. It holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.23% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Delinquency has appeared in its $134 million non-owner-occupied commercial real estate book: 3.26% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings jumped: net income for the quarter was $2.4 million, 33% above the same quarter a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 10.4% and deposits rose 3.3%.
As of June 30, 2026, First National Bank of Middle Tennessee reported a return on assets of 1.03%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 5.10%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Middle Tennessee is the 33rd largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $952.4M, loans rose 2.6% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.0% of total loans, followed by non-owner-occupied commercial real estate loans at 17.0%. The FDIC Summary of Deposits lists 11 offices for it, in 8 cities in TN; its Mcminnville 3 offices book 55% of its branch deposits. On its Q2 2026 call report, First National Bank of Middle Tennessee meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Main St, McMinnville, TN 37110
- County
- Warren
- Metro Area
- McMinnville, TN
- 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
- October 30, 1874
- Former names
- The First National Bank of Middle Tennessee (2015)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 163
- Domestic deposits
- $827.7M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $930K
- Average total assets
- $948.7M
- Average total loans
- $780.3M
- Average interest-bearing deposits
- $704.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4952
- Fed RSSD
- 87234
- SEC CIK
- 743397 → filed by FIRST MCMINNVILLE CORPORATION
- Website
- www.fnbmt.com →
- Parent Holding Company
- FIRST MCMINNVILLE CORPORATION (RSSD 1086449)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank of Middle Tennessee reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Middle Tennessee's total assets ran between $856.4M (Q3 2023) and $952.4M (Q2 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
$952.4M total assets against $910.2M; $859.2M total liabilities against $821.4M.
$783.5M net loans and leases against $709.6M; $827.7M total deposits against $801.3M.
$56.6M securities against $55.0M; $51.8M cash and balances due against $91.7M.
$12.7M total interest income against $11.7M; $4.7M total interest expense against $5.1M.
$8.0M net interest income against $6.6M.
$2.5M total noninterest income against $2.0M; $6.8M total noninterest expense against $6.1M.
$490K provision for credit losses against $250K.
$2.4M net income against $1.8M.
1.03% return on assets against 0.80%; 3.56% net interest margin against 3.06%.
10.03% tier 1 leverage ratio against 10.24%.
Inside the full First National Bank of Middle Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First National Bank of Middle Tennessee rankings
Its closest position to the top of a national ranking is 1,076 of 4,196, for total assets; its furthest is 2,447 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q1 2025) to 1.06% (Q1 2026) and its net interest margin ran from 2.92% (Q4 2024) to 3.56% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.03% | 1.03% | 0.22% | 5.10% | 3.56% |
| Q1 2026 | 10.03% | 1.06% | 0.72% | 5.72% | 3.47% |
| Q4 2025 | 9.86% | 0.84% | 1.05% | 8.00% | 3.42% |
| Q3 2025 | 10.30% | 0.86% | 1.15% | 8.51% | 3.24% |
| Q2 2025 | 10.24% | 0.80% | 1.12% | 9.16% | 3.06% |
| Q1 2025 | 10.20% | 0.60% | 1.10% | 9.09% | 3.04% |
| Q4 2024 | 10.18% | 0.87% | 0.67% | 5.89% | 2.92% |
| Q3 2024 | 10.74% | 0.72% | 0.05% | 0.34% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 Middle Tennessee | Mcminnville , TN | 37110 | $383.6M |
| Nashville Branch | Nashville , TN | 37212 | $103.4M |
| Gateway Blvd Branch | Murfreesboro , TN | 37129 | $86.4M |
| Smithville Hwy Branch | Mcminnville , TN | 37110 | $75.8M |
| Woodbury Office Branch | Woodbury , TN | 37190 | $64.0M |
| Franklin Office Branch | Franklin , TN | 37067 | $40.7M |
| Northgate Branch | Morrison , TN | 37357 | $25.7M |
| Memorial Blvd Branch | Murfreesboro , TN | 37129 | $23.9M |
| Shelbyville Branch | Shelbyville , TN | 37160 | $19.8M |
| Viola Branch | Viola , TN | 37394 | $4.6M |
| Sparta Street Branch | Mcminnville , TN | 37110 | $0 |
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 |
|---|---|---|---|
| September 1, 1966 | Structure Change | Acquired Farmers & Merchants BK Charter Discontinued (Merger or Purchase & Assumption) 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
- 0.3% of deposits in TN, rank 49 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Middle Tennessee
What are First National Bank of Middle Tennessee's total assets?
As of the Q2 2026 filing, First National Bank of Middle Tennessee reported total assets of $952.4 million in its FFIEC call report.
Where is First National Bank of Middle Tennessee headquartered?
It is headquartered in McMinnville, TN, United States.
When was First National Bank of Middle Tennessee founded?
It was established in 1874, per the FDIC institution directory.
Is First National Bank of Middle Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4952). 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 of Middle Tennessee?
First National Bank of Middle Tennessee's primary federal regulator is the OCC.
How many branches does First National Bank of Middle Tennessee operate?
It operates 11 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 of Middle Tennessee's Texas Ratio?
Its Texas Ratio is 5.10% 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.
What was First National Bank of Middle Tennessee previously called?
The charter now named First National Bank of Middle Tennessee has also operated as The First National Bank of Middle Tennessee (2015), per FDIC structure-change records.
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