First Peoples Bank of Tennessee
Also written as FPB of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
First Peoples Bank of Tennessee is an FDIC-insured commercial bank headquartered in Jefferson City, TN, established in 1975 (FDIC certificate 21874), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $219.5M, up 3.4% from Q2 2025, the 88th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21874
- Headquarters
- Jefferson City, TN
- Established
- 1975
- Total assets, Q2 2026
- $219.5M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 13.94%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 064202828
- Latest call report
- Q2 2026, FFIEC 051 · First Peoples Bank of Tennessee Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST PEOPLES BANCORP, INC.
- Asset rank in state
- 88th of 109 in Tennessee
First Peoples Bank of Tennessee leans heavily on commercial real estate. It reported $220 million in assets at June 30, 2026, up 3.4% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Earnings jumped: net income for the quarter was $596,000, 49% above the same quarter a year earlier. Over the same year, loans grew 10.4% and deposits grew 2.0%.
As of June 30, 2026, First Peoples Bank of Tennessee reported a CET1 capital ratio of 13.94%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.52%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, First Peoples Bank of Tennessee is the 88th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $219.5M, loans rose 2.9% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.1% of total loans, ahead of 1-4 family residential loans at 20.8%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TN; its Jefferson City office books 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Peoples Bank of Tennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 W Broadway Blvd, Jefferson City, TN 37760
- County
- Jefferson
- Metro Area
- Morristown, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1975
- Former names
- First Peoples Bank of Jefferson County (1976-1994)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $188.3M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$850K
- Average total assets
- $220.7M
- Average total loans
- $159.7M
- Average interest-bearing deposits
- $148.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1975
- FDIC Cert
- 21874
- Fed RSSD
- 421539
- SEC CIK
- 1503348 → filed by FIRST PEOPLES BANCORP, INC.
- Parent Holding Company
- FIRST PEOPLES BANCORP, INC. (RSSD 4166397)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Peoples Bank of Tennessee's total assets moved between a low of $205.0M (Q3 2023) and a high of $228.0M (Q4 2025) 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
$219.5M total assets against $212.3M; $197.7M total liabilities against $192.9M.
$156.9M net loans and leases against $142.6M; $188.3M total deposits against $184.7M.
$39.7M securities against $44.5M; $14.3M cash and balances due against $16.2M.
$3.0M total interest income against $2.7M; $742K total interest expense against $796K.
$2.3M net interest income against $1.9M.
$150K total noninterest income against $142K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$596K net income against $399K.
1.08% return on assets against 0.76%; 4.30% net interest margin against 3.69%.
13.94% CET1 capital ratio against 15.10%; 11.41% tier 1 leverage ratio against 11.34%.
Inside the full First Peoples Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Peoples Bank of Tennessee rankings
Its closest position to the top of a national ranking is 1,137 of 2,134, for CET1 ratio; its furthest is 2,944 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 1.10% (Q1 2026) and its net interest margin ran from 3.01% (Q3 2024) to 4.32% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.94% | 1.08% | 0.08% | 0.52% | 4.30% |
| Q1 2026 | 13.89% | 1.10% | 0.08% | 0.55% | 4.32% |
| Q4 2025 | 14.18% | 0.75% | 0.09% | 0.56% | 3.96% |
| Q3 2025 | 14.36% | 0.83% | 0.09% | 0.58% | 3.64% |
| Q2 2025 | 15.10% | 0.76% | 0.02% | 0.13% | 3.69% |
| Q1 2025 | 14.77% | 0.61% | 0.02% | 0.14% | 3.58% |
| Q4 2024 | 14.14% | 0.95% | 0.02% | 0.15% | 3.38% |
| Q3 2024 | 14.27% | 0.47% | 0.02% | 0.15% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Peoples Bank of Tennessee (main office) | Jefferson City , TN | 37760 | $73.9M |
| Dandridge Branch | Dandridge , TN | 37725 | $43.6M |
| Alpha-Talbott Branch | Talbott , TN | 37877 | $25.9M |
| Knoxville Branch | Knoxville , TN | 37919 | $25.3M |
| Strawberry Plains Branch | Knoxville , TN | 37924 | $19.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 119 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $640K approved, $320K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 Peoples Bank of Tennessee
What are First Peoples Bank of Tennessee's total assets?
As of the Q2 2026 filing, First Peoples Bank of Tennessee reported total assets of $219.5 million in its FFIEC call report.
Where is First Peoples Bank of Tennessee headquartered?
It is headquartered in Jefferson City, TN, United States.
When was First Peoples Bank of Tennessee founded?
It was established in 1975, per the FDIC institution directory.
Is First Peoples Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Peoples Bank of Tennessee?
First Peoples Bank of Tennessee's primary federal regulator is the FDIC.
What is First Peoples Bank of Tennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Peoples Bank of Tennessee operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Peoples Bank of Tennessee's Texas Ratio?
Its Texas Ratio is 0.52% 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 Peoples Bank of Tennessee previously called?
The charter now named First Peoples Bank of Tennessee has also operated as First Peoples Bank of Jefferson County (1976-1994), per FDIC structure-change records.
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