First National Bank of Middle Tennessee: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 736.08 percentage points in Q2 2026, from 159.90% to 895.98%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First National Bank of Middle Tennessee is 62nd of 109 on return on assets, 1.03% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank of Middle Tennessee sits 0.23 points lower, at 1.03% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 9.79% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.48% |
| Texas ratio | 5.82% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 895.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 10.56% |
| Net interest margin | 3.56% |
| Efficiency ratio | 65.43% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.57% |
| Core deposits to total deposits | 78.54% |
| Brokered deposits to total deposits | 5.13% |
| Deposits to assets | 86.91% |
| Securities to assets | 5.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.64% | 14.64% | 15.76% | 10.18% | 0.77% |
| Q4 2023 | 14.76% | 14.76% | 15.88% | 10.14% | 0.71% |
| Q1 2024 | 14.96% | 14.96% | 16.11% | 10.39% | 0.50% |
| Q2 2024 | 15.25% | 15.25% | 16.42% | 10.60% | 0.68% |
| Q3 2024 | 15.51% | 15.51% | 16.69% | 10.74% | 0.72% |
| Q4 2024 | 15.19% | 15.19% | 16.37% | 10.18% | 0.87% |
| Q1 2025 | 15.21% | 15.21% | 16.39% | 10.20% | 0.60% |
| Q2 2025 | 15.30% | 15.30% | 16.50% | 10.24% | 0.80% |
| Q3 2025 | 15.65% | 15.65% | 16.89% | 10.30% | 0.86% |
| Q4 2025 | 14.90% | 14.90% | 16.18% | 9.86% | 0.84% |
| Q1 2026 | — | — | — | 10.03% | 1.06% |
| Q2 2026 | — | — | — | 10.03% | 1.03% |
First National Bank of Middle Tennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Middle Tennessee, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Middle Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4952) · FFIEC NIC profile (RSSD 87234)