First Peoples 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 Peoples Bank of Tennessee of Jefferson City, TN against its peer group of 2672 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 | 1.08% | 1.35% | -0.27% | 38th below |
| ROAE | 10.97% | 12.05% | -1.08% | 41st below |
| Net Interest Margin | 4.30% | 3.90% | +0.40% | 70th above |
| Efficiency Ratio | 66.74% | 63.15% | +3.59% | 35th below |
| PPNR / Avg Assets | 1.44% | 1.64% | -0.20% | 41st below |
| Yield on Earning Assets | 5.69% | 5.65% | +0.04% | 54th above |
| Cost of Funds | 1.49% | 1.85% | -0.36% | 70th above |
| Net Interest Spread | 3.79% | 3.35% | +0.44% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.92% | -0.84% | 75th top |
| NPA / Total Assets | 0.06% | 0.67% | -0.61% | 76th top |
| NCO / Avg Loans | -2.13% | 0.15% | -2.28% | 100th top |
| ACL / Total Loans | 2.04% | 1.28% | +0.76% | 94th top |
| ACL / NPLs (Coverage) | 2513.08% | 1644.77% | +868.31% | — |
| Texas Ratio | 0.52% | 7.15% | -6.63% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.94% | 20.83% | -6.89% | 38th below |
| Tier 1 Ratio | 13.94% | 20.87% | -6.93% | 38th below |
| Total Capital Ratio | 15.20% | 21.94% | -6.74% | 39th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.41% | 12.46% | -1.05% | 57th above |
| Equity / Assets | 9.97% | 11.67% | -1.70% | 44th below |
| TCE / Tangible Assets | 9.97% | 11.40% | -1.43% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.03% | 78.64% | +6.39% | 40th below |
| Core Deposit Ratio | 90.00% | 87.09% | +2.91% | 54th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.77% | 5.11% | -1.34% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.42% | 6.47% | -3.05% | 42nd below |
| Loan Growth (Y/Y) | 10.42% | 7.64% | +2.78% | 75th top |
| Deposit Growth (Y/Y) | 1.98% | 6.02% | -4.04% | 35th below |
See First Peoples Bank of Tennessee's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Peoples 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 Peoples Bank of Tennessee profile, how to read a UBPR, or how this data updates.