First National Bank of Middle Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Middle Tennessee of McMinnville, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.35% | -0.32% | 35th below |
| ROAE | 10.56% | 12.05% | -1.49% | 39th below |
| Net Interest Margin | 3.56% | 3.90% | -0.34% | 30th below |
| Efficiency Ratio | 65.43% | 63.15% | +2.28% | 38th below |
| PPNR / Avg Assets | 1.52% | 1.64% | -0.12% | 45th below |
| Yield on Earning Assets | 5.66% | 5.65% | +0.01% | 53rd above |
| Cost of Funds | 2.23% | 1.85% | +0.38% | 24th bottom |
| Net Interest Spread | 3.04% | 3.35% | -0.31% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.92% | -0.81% | 72nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.67% | -0.24% | 42nd below |
| NCO / Avg Loans | 0.48% | 0.14% | +0.34% | 6th bottom |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 21st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 895.98% | 1645.46% | -749.48% | 81st top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.82% | 7.15% | -1.33% | 36th below |
| Provision / NCO | 86.56% | 1189.87% | -1103.31% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.03% | 12.46% | -2.43% | 33rd below |
| Equity / Assets | 9.79% | 11.67% | -1.88% | 41st below |
| TCE / Tangible Assets | 9.65% | 11.40% | -1.75% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.57% | 78.64% | +16.93% | 17th bottom |
| Core Deposit Ratio | 78.54% | 87.10% | -8.56% | 13th bottom |
| Wholesale Funding Ratio | 1.99% | 5.11% | -3.12% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.63% | 6.47% | -1.84% | 52nd above |
| Loan Growth (Y/Y) | 10.37% | 7.64% | +2.73% | 75th top |
| Deposit Growth (Y/Y) | 3.30% | 6.02% | -2.72% | 45th below |
See First National Bank of Middle Tennessee's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Middle Tennessee, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Middle Tennessee profile, how to read a UBPR, or how this data updates.