First Peoples 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: 668.80 percentage points higher than in Q1 2026, at 2513.08%. First Peoples Bank of Tennessee ranks 56th of 109 Tennessee banks on return on assets, in the lower half at 1.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Peoples Bank of Tennessee sits 0.17 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.94% |
| Tier 1 risk-based capital ratio | 13.94% |
| Total risk-based capital ratio | 15.20% |
| Tier 1 leverage ratio | 11.41% |
| Equity capital to assets | 9.97% |
| Tangible equity to tangible assets | 9.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -2.13% |
| Texas ratio | 0.52% |
| Allowance for credit losses to loans | 2.04% |
| Reserve coverage of non-performing loans | 2513.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 10.97% |
| Net interest margin | 4.30% |
| Efficiency ratio | 66.74% |
| Yield on earning assets | 5.69% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.03% |
| Core deposits to total deposits | 90.00% |
| Brokered deposits to total deposits | 7.93% |
| Deposits to assets | 85.78% |
| Securities to assets | 18.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.70% | 14.70% | 15.95% | 10.88% | 1.27% |
| Q4 2023 | 14.72% | 14.72% | 17.46% | 10.90% | 0.35% |
| Q1 2024 | 14.62% | 14.62% | 15.87% | 10.46% | 0.25% |
| Q2 2024 | 14.47% | 14.47% | 15.72% | 10.49% | 0.32% |
| Q3 2024 | 14.27% | 14.27% | 15.53% | 10.57% | 0.47% |
| Q4 2024 | 14.14% | 14.14% | 15.39% | 10.75% | 0.95% |
| Q1 2025 | 14.77% | 14.77% | 16.02% | 11.15% | 0.61% |
| Q2 2025 | 15.10% | 15.10% | 16.35% | 11.34% | 0.76% |
| Q3 2025 | 14.36% | 14.36% | 15.61% | 11.34% | 0.83% |
| Q4 2025 | 14.18% | 14.18% | 15.44% | 11.37% | 0.75% |
| Q1 2026 | 13.89% | 13.89% | 15.15% | 11.25% | 1.10% |
| Q2 2026 | 13.94% | 13.94% | 15.20% | 11.41% | 1.08% |
First Peoples Bank of Tennessee vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Peoples 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 Peoples Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21874) · FFIEC NIC profile (RSSD 421539)