First National Bank of 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 Tennessee of Livingston, TN against its peer group of 927 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 | 2.12% | 1.46% | +0.66% | 90th top |
| ROAE | 18.73% | 12.69% | +6.04% | 86th top |
| Net Interest Margin | 4.08% | 3.85% | +0.23% | 73rd above |
| Efficiency Ratio | 51.83% | 57.40% | -5.57% | 70th above |
| PPNR / Avg Assets | 2.12% | 1.88% | +0.24% | 74th above |
| Yield on Earning Assets | 5.26% | 5.72% | -0.46% | 33rd below |
| Cost of Funds | 1.32% | 2.02% | -0.70% | 87th top |
| Net Interest Spread | 3.48% | 3.18% | +0.30% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 1.00% | -0.45% | 55th above |
| NPA / Total Assets | 0.28% | 0.76% | -0.48% | 67th above |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 92nd top |
| ACL / Total Loans | 1.32% | 1.31% | +0.01% | 73rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 240.54% | 564.54% | -324.00% | 62nd above |
| Texas Ratio | 2.34% | 7.39% | -5.05% | 73rd above |
| Provision / NCO | 0.00% | 618.94% | -618.94% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.55% | 11.44% | +0.11% | 71st above |
| Equity / Assets | 11.45% | 11.33% | +0.12% | 67th above |
| TCE / Tangible Assets | 11.45% | 10.50% | +0.95% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.41% | 86.97% | -27.56% | 94th top |
| Core Deposit Ratio | 92.22% | 85.55% | +6.67% | 70th above |
| Uninsured Deposit Ratio | 23.09% | 33.13% | -10.04% | 77th top |
| Wholesale Funding Ratio | 0.00% | 5.70% | -5.70% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.07% | 9.68% | -6.61% | 35th below |
| Loan Growth (Y/Y) | 0.85% | 8.06% | -7.21% | 21st bottom |
| Deposit Growth (Y/Y) | 3.32% | 7.88% | -4.56% | 39th below |
See First National Bank of Tennessee's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of 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 Tennessee profile, how to read a UBPR, or how this data updates.