First National Bank of Pulaski
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Pulaski is an FDIC-insured commercial bank headquartered in Pulaski, TN, established in 1938 (FDIC certificate 15572), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.50B, up 3.8% from Q2 2025, the 19th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.32% 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
- 15572
- Headquarters
- Pulaski, TN
- Established
- 1938
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 11.32%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 064107994
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank of Pulaski call report
- Holding company
- FIRST PULASKI NATIONAL CORPORATION
- Asset rank in state
- 19th of 109 in Tennessee
Little in First National Bank of Pulaski's latest call report stands out. It reported $1.5 billion in assets at June 30, 2026, up 3.8% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 29% from a year earlier, to $5.5 million. Unrealized losses on its securities total $29 million, equal to 17% of Tier 1 capital, against 22% a year earlier.
As of June 30, 2026, First National Bank of Pulaski reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 2.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Pulaski is the 19th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $1.50B, loans rose 1.9% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.0% of total loans, ahead of owner-occupied commercial real estate loans at 18.8%. Its 13 offices in the FDIC Summary of Deposits are in 9 cities across 2 states; its Pulaski 3 offices book 28% of its branch deposits. On its Q2 2026 call report, First National Bank of Pulaski meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 206 S 1st St, Pulaski, TN 38478
- County
- Giles
- 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 041
- Established
- January 12, 1938
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 189
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $13.4M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $1.52B
- Average total loans
- $1.02B
- Average interest-bearing deposits
- $1.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 12, 1938
- FDIC Cert
- 15572
- Fed RSSD
- 972732
- SEC CIK
- 354706 → filed by FIRST PULASKI NATIONAL CORPORATION
- Website
- www.fnbforyou.com →
- Parent Holding Company
- FIRST PULASKI NATIONAL CORPORATION (RSSD 1082393)
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 Pulaski reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Pulaski's total assets moved between a low of $1.30B (Q3 2023) and a high of $1.51B (Q1 2026) from Q3 2023 to 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
$1.50B total assets against $1.45B; $1.35B total liabilities against $1.31B.
$1.02B net loans and leases against $984.0M; $1.33B total deposits against $1.30B.
$273.0M securities against $257.8M; $153.5M cash and balances due against $146.4M.
$20.4M total interest income against $19.6M; $6.6M total interest expense against $6.9M.
$13.8M net interest income against $12.8M.
$1.7M total noninterest income against $1.4M; $8.1M total noninterest expense against $7.5M.
$182K provision for credit losses against $1.1M.
$5.5M net income against $4.2M.
1.44% return on assets against 1.17%; 3.77% net interest margin against 3.66%.
11.32% tier 1 leverage ratio against 10.94%.
Inside the full First National Bank of Pulaski terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Pulaski rankings
Its closest position to the top of a national ranking is 733 of 4,196, for total assets; its furthest is 2,240 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q3 2024) to 1.44% (Q2 2026) and its net interest margin ran from 3.28% (Q3 2024) to 3.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 1.44% | 0.24% | 2.07% | 3.77% |
| Q1 2026 | 10.92% | 1.31% | 0.26% | 2.54% | 3.59% |
| Q4 2025 | 10.93% | 1.31% | 0.18% | 1.23% | 3.72% |
| Q3 2025 | 11.16% | 1.43% | 0.03% | 0.38% | 3.78% |
| Q2 2025 | 10.94% | 1.17% | 0.03% | 0.43% | 3.66% |
| Q1 2025 | 10.85% | 1.20% | 0.07% | 0.47% | 3.37% |
| Q4 2024 | 10.65% | 1.20% | 0.08% | 0.57% | 3.33% |
| Q3 2024 | 10.61% | 1.13% | 0.04% | 0.31% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| First National Bank of Pulaski (main office) | Pulaski , TN | 38478 | $354.4M |
| Athens Branch | Athens , AL | 35611 | $281.1M |
| Lincoln County Branch | Fayetteville , TN | 37334 | $177.4M |
| Ardmore Branch | Ardmore , TN | 38449 | $140.3M |
| Lewisburg Branch | Lewisburg , TN | 37091 | $77.6M |
| Huntsville Branch | Huntsville , AL | 35805 | $77.0M |
| Park City Branch | Fayetteville , TN | 37334 | $74.3M |
| Athens Downtown Branch | Athens , AL | 35611 | $53.3M |
| Cullman Branch | Cullman , AL | 35055 | $43.3M |
| Madison Office Branch | Madison , AL | 35758 | $24.8M |
| Lynnville Branch | Lynnville , TN | 38472 | $17.6M |
| Pulaski Branch | Pulaski , TN | 38478 | $7.6M |
| Industrial Park Branch | Pulaski , TN | 38478 | $5.1M |
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 12, 2002 | M&A | Acquired Bank of Belfast merger for the acquired bank | SEC |
| April 12, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 2002 | Structure Change | Acquired Bank of Belfast 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TN, rank 48 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 302 applications, 250 loans originated, $69.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $136K approved, $136K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Pulaski
What are First National Bank of Pulaski's total assets?
As of the Q2 2026 filing, First National Bank of Pulaski reported total assets of $1.50 billion in its FFIEC call report.
Where is First National Bank of Pulaski headquartered?
It is headquartered in Pulaski, TN, United States.
When was First National Bank of Pulaski founded?
It was established in 1938, per the FDIC institution directory.
Is First National Bank of Pulaski FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15572). 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 Pulaski?
First National Bank of Pulaski's primary federal regulator is the OCC.
How many branches does First National Bank of Pulaski operate?
It operates 14 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 Pulaski's Texas Ratio?
Its Texas Ratio is 2.07% 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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