First National Bank of 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.13 percentage points higher than in Q1 2026, at 240.54%. On return on assets, First National Bank of Tennessee ranks 4th highest among the 109 banks headquartered in Tennessee, at 2.12% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, First National Bank of Tennessee reported 2.12% on return on assets in Q2 2026, 0.84 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.55% |
| Equity capital to assets | 11.45% |
| Tangible equity to tangible assets | 11.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.34% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 240.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 18.73% |
| Net interest margin | 4.08% |
| Efficiency ratio | 51.83% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.41% |
| Core deposits to total deposits | 92.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.07% |
| Securities to assets | 36.85% |
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 | 10.31% | 1.40% | 3.36% | 0.75% | -0.04% |
| Q4 2023 | 10.58% | 1.58% | 3.43% | 0.78% | 0.11% |
| Q1 2024 | 10.84% | 1.60% | 3.52% | 0.86% | -0.01% |
| Q2 2024 | 11.19% | 1.94% | 3.65% | 0.76% | 0.02% |
| Q3 2024 | 10.41% | 2.01% | 3.82% | 1.87% | -0.02% |
| Q4 2024 | 10.86% | 1.72% | 3.77% | 1.76% | -0.01% |
| Q1 2025 | 11.25% | 1.79% | 3.82% | 0.47% | 0.29% |
| Q2 2025 | 11.64% | 2.16% | 4.06% | 0.43% | 0.01% |
| Q3 2025 | 12.05% | 2.12% | 4.28% | 0.45% | -0.06% |
| Q4 2025 | 10.57% | 1.89% | 4.21% | 0.44% | 0.02% |
| Q1 2026 | 11.14% | 2.12% | 4.03% | 0.58% | 0.02% |
| Q2 2026 | 11.55% | 2.12% | 4.08% | 0.55% | -0.01% |
First National Bank of 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 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19502) · FFIEC NIC profile (RSSD 283737)