First National Bank of Tennessee
Also written as FNB of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Tennessee is an FDIC-insured commercial bank headquartered in Livingston, TN, established in 1965 (FDIC certificate 19502), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.38B, up 3.1% from Q2 2025, the 22nd largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.55% 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
- 19502
- Headquarters
- Livingston, TN
- Established
- 1965
- Total assets, Q2 2026
- $1.38B
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 11.55%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 064101233
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Tennessee Q3 2026 call report, filed October 22, 2026 (preliminary)
- Asset rank in state
- 22nd of 109 in Tennessee
First National Bank of Tennessee is one of the more profitable banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, up 3.1% from a year earlier; it is based in Livingston, Tennessee. It earns about $2.12 a year on every $100 of assets, higher than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median $1.29). It also pays an average of 1.32% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, First National Bank of Tennessee reported a return on assets of 2.12%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.18%. The figures come from its call report filed with the FFIEC.
First National Bank of Tennessee ranks as the 22nd largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $1.38B, loans rose 2.2% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.7% of total loans, followed by non-owner-occupied commercial real estate loans at 22.7%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities in TN; its Crossville 2 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Tennessee meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 214 E Main St, Livingston, TN 38570
- County
- Overton
- Metro Area
- Cookeville, 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
- —
- Call Report form
- FFIEC 051
- Established
- October 25, 1965
- Former names
- First National Bank of the Cumberlands (1987-2004); First National Bank of Livingston (1975-1987)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 153
- Domestic deposits
- $1.20B
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $1.37B
- Average total loans
- $706.2M
- Average interest-bearing deposits
- $880.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 25, 1965
- FDIC Cert
- 19502
- Fed RSSD
- 283737
- Website
- www.fnbotn.com →
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 Tennessee reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Tennessee's total assets moved between a low of $1.27B (Q3 2023) and a high of $1.38B (Q2 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
$1.38B total assets against $1.34B; $1.22B total liabilities against $1.18B.
$704.4M net loans and leases against $698.4M; $1.20B total deposits against $1.16B.
$508.5M securities against $486.9M; $141.7M cash and balances due against $129.5M.
$17.5M total interest income against $17.5M; $3.9M total interest expense against $4.2M.
$13.6M net interest income against $13.3M.
$1.5M total noninterest income against $1.5M; $7.8M total noninterest expense against $7.6M.
No provision recorded in the last 12 quarters.
$7.3M net income against $7.2M.
2.12% return on assets against 2.16%; 4.08% net interest margin against 4.06%.
11.55% tier 1 leverage ratio against 11.64%.
Inside the full First National Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Tennessee rankings
Its closest position to the top of a national ranking is 379 of 3,611, for ROA; its furthest is 755 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.72% (Q4 2024) to 2.16% (Q2 2025) and its net interest margin ran from 3.77% (Q4 2024) to 4.28% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.55% | 2.12% | 0.28% | 1.18% | 4.08% |
| Q1 2026 | 11.14% | 2.12% | 0.30% | 1.29% | 4.03% |
| Q4 2025 | 10.57% | 1.89% | 0.16% | 0.74% | 4.21% |
| Q3 2025 | 12.05% | 2.12% | 0.17% | 0.69% | 4.28% |
| Q2 2025 | 11.64% | 2.16% | 0.19% | 0.82% | 4.06% |
| Q1 2025 | 11.25% | 1.79% | 0.20% | 0.88% | 3.82% |
| Q4 2024 | 10.86% | 1.72% | 1.49% | 7.03% | 3.77% |
| Q3 2024 | 10.41% | 2.01% | 1.55% | 7.16% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Crossville Branch | Crossville , TN | 38555 | $325.8M |
| Cookeville Branch | Cookeville , TN | 38501 | $277.6M |
| West Main Street Branch | Livingston , TN | 38570 | $180.0M |
| First National Bank of Tennessee (main office) | Livingston , TN | 38570 | $162.2M |
| Sparta Branch | Sparta , TN | 38583 | $122.0M |
| Fairfield Glade Branch | Crossville , TN | 38571 | $72.9M |
| Algood Branch | Cookeville , TN | 38506 | $60.9M |
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 |
|---|---|---|---|
| July 23, 2002 | Structure Change | Acquired First Holding Company 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
- 0.5% of deposits in TN, rank 32 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $665K approved, $222K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Tennessee
What are First National Bank of Tennessee's total assets?
As of the Q2 2026 filing, First National Bank of Tennessee reported total assets of $1.38 billion in its FFIEC call report.
Where is First National Bank of Tennessee headquartered?
It is headquartered in Livingston, TN, United States.
When was First National Bank of Tennessee founded?
It was established in 1965, per the FDIC institution directory.
Is First National Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19502). 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 Tennessee?
First National Bank of Tennessee's primary federal regulator is the OCC.
How many branches does First National Bank of Tennessee operate?
It operates 7 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 Tennessee's Texas Ratio?
Its Texas Ratio is 1.18% 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 Tennessee previously called?
The charter now named First National Bank of Tennessee has also operated as First National Bank of the Cumberlands (1987-2004), First National Bank of Livingston (1975-1987), per FDIC structure-change records.
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