First Vision Bank of Tennessee
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Data as of · sourced from FFIEC call reports. How we update
First Vision Bank of Tennessee is an FDIC-insured commercial bank headquartered in Tullahoma, TN, established in 2005 (FDIC certificate 58201), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $414.2M, down 3.6% from Q2 2025, the 60th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 17.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58201
- Headquarters
- Tullahoma, TN
- Established
- 2005
- Total assets, Q2 2026
- $414.2M
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 17.72%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 064109028
- Latest call report
- Q2 2026, FFIEC 051 · First Vision Bank of Tennessee Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST VISION FINANCIAL, INC.
- Asset rank in state
- 60th of 109 in Tennessee
First Vision Bank of Tennessee, based in Tullahoma, Tennessee, reported $414 million in assets at June 30, 2026, down 3.6% from a year earlier. It lost 4.6% of its deposits over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also carries problem assets equal to 10.4% of the capital and reserves that would absorb them, 3.9 times the median of 2.7% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.08% of loans from 1.85%. The balance sheet shrank over the year: over the year loans fell 0.6% and deposits fell 4.6%.
As of June 30, 2026, First Vision Bank of Tennessee reported a CET1 capital ratio of 17.72%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 10.43%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Vision Bank of Tennessee is the 60th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $414.2M, loans rose 2.3% and deposits fell 2.7%. 1-4 family residential loans made up 35.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.1%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in TN; its Decherd office books 36% of its branch deposits. Judged on its Q2 2026 call report, First Vision Bank of Tennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1401 N Jackson St, Tullahoma, TN 37388
- County
- Coffee
- Metro Area
- Tullahoma-Manchester, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 28, 2005
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $357.0M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- -$22K
- Average total assets
- $423.2M
- Average total loans
- $294.6M
- Average interest-bearing deposits
- $347.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 28, 2005
- FDIC Cert
- 58201
- Fed RSSD
- 3350658
- Website
- www.fvb.bank →
- Parent Holding Company
- FIRST VISION FINANCIAL, INC. (RSSD 4547286)
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
Over the 12 quarters to Q2 2026, First Vision Bank of Tennessee's total assets ran between $414.2M (Q2 2026) and $488.8M (Q1 2024), 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
$414.2M total assets against $429.4M; $363.2M total liabilities against $381.0M.
$293.0M net loans and leases against $294.9M; $357.0M total deposits against $374.1M.
$52.2M securities against $49.9M; $39.8M cash and balances due against $63.7M.
$6.0M total interest income against $6.2M; $2.0M total interest expense against $2.5M.
$3.9M net interest income against $3.7M.
$399K total noninterest income against $425K; $3.0M total noninterest expense against $2.9M.
$0 provision for credit losses against $52K.
$1.1M net income against $1.0M.
1.04% return on assets against 0.92%; 3.98% net interest margin against 3.54%.
17.72% CET1 capital ratio against 17.46%; 12.40% tier 1 leverage ratio against 11.51%.
Inside the full First Vision Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Vision Bank of Tennessee rankings
Its closest position to the top of a national ranking is 599 of 3,640, for Texas Ratio; its furthest is 2,679 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q1 2025) to 1.13% (Q4 2024) and its net interest margin ran from 2.82% (Q4 2024) to 3.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.72% | 1.04% | 0.08% | 10.43% | 3.98% |
| Q1 2026 | 18.82% | 0.96% | 1.11% | 16.05% | 3.88% |
| Q4 2025 | 18.08% | 0.85% | 0.19% | 11.26% | 3.84% |
| Q3 2025 | 17.88% | 0.96% | 0.35% | 12.35% | 3.85% |
| Q2 2025 | 17.46% | 0.92% | 1.85% | 10.62% | 3.54% |
| Q1 2025 | 17.83% | 0.81% | 2.35% | 13.49% | 2.97% |
| Q4 2024 | 17.27% | 1.13% | 1.90% | 12.41% | 2.82% |
| Q3 2024 | 16.02% | 0.83% | 2.46% | 16.46% | 3.19% |
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 |
|---|---|---|---|
| Franklin County Office | Decherd , TN | 37324 | $129.8M |
| First Vision Bank of Tennessee (main office) | Tullahoma , TN | 37388 | $128.5M |
| Manchester Office Branch | Manchester , TN | 37355 | $57.6M |
| Murfreesboro Office Branch | Murfreesboro , TN | 37129 | $35.3M |
| Green Hills Branch | Nashville , TN | 37215 | $5.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 30, 2021, Federal Reserve: Civil Money Penalty: First Vision Bank, Tullahoma, Tennessee
- Period: Most recent institution action June 30, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TN, rank 84 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 80 loans originated, $19.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $585K approved, $585K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Vision Bank of Tennessee
What are First Vision Bank of Tennessee's total assets?
As of the Q2 2026 filing, First Vision Bank of Tennessee reported total assets of $414.2 million in its FFIEC call report.
Where is First Vision Bank of Tennessee headquartered?
It is headquartered in Tullahoma, TN, United States.
When was First Vision Bank of Tennessee founded?
It was established in 2005, per the FDIC institution directory.
Is First Vision Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Vision Bank of Tennessee?
First Vision Bank of Tennessee's primary federal regulator is the Federal Reserve.
What is First Vision Bank of Tennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Vision 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 Vision Bank of Tennessee's Texas Ratio?
Its Texas Ratio is 10.43% 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.
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