First National Bank of Pulaski: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 127.51 percentage points higher than in Q1 2026, at 537.73%. First National Bank of Pulaski ranks 35th of 109 Tennessee banks on return on assets, in the upper half at 1.44% (Q2 2026). First National Bank of Pulaski reported 1.44% on return on assets for Q2 2026, 0.16 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.32% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 10.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 2.07% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 537.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 14.80% |
| Net interest margin | 3.77% |
| Efficiency ratio | 52.37% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.26% |
| Core deposits to total deposits | 87.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.93% |
| Securities to assets | 18.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.12% | 1.26% | 3.38% | 0.08% | 0.02% |
| Q4 2023 | 10.35% | 1.25% | 3.34% | 0.08% | 0.01% |
| Q1 2024 | 10.27% | 1.01% | 3.10% | 0.06% | 0.07% |
| Q2 2024 | 10.33% | 1.16% | 3.22% | 0.04% | -0.00% |
| Q3 2024 | 10.61% | 1.13% | 3.28% | 0.04% | -0.02% |
| Q4 2024 | 10.65% | 1.20% | 3.33% | 0.16% | -0.01% |
| Q1 2025 | 10.85% | 1.20% | 3.37% | 0.07% | -0.01% |
| Q2 2025 | 10.94% | 1.17% | 3.66% | 0.10% | 0.32% |
| Q3 2025 | 11.16% | 1.43% | 3.78% | 0.11% | -0.01% |
| Q4 2025 | 10.93% | 1.31% | 3.72% | 0.26% | 0.20% |
| Q1 2026 | 10.92% | 1.31% | 3.59% | 0.32% | -0.06% |
| Q2 2026 | 11.32% | 1.44% | 3.77% | 0.24% | 0.09% |
First National Bank of Pulaski vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Pulaski, 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 Pulaski profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15572) · FFIEC NIC profile (RSSD 972732)