First Vision 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 Vision Bank of Tennessee of Tullahoma, TN against its peer group of 2603 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 | 1.04% | 1.34% | -0.30% | 35th below |
| ROAE | 8.67% | 13.32% | -4.65% | 29th below |
| Net Interest Margin | 3.98% | 3.93% | +0.05% | 52nd above |
| Efficiency Ratio | 69.18% | 61.14% | +8.04% | 30th below |
| PPNR / Avg Assets | 1.26% | 1.68% | -0.42% | 32nd below |
| Yield on Earning Assets | 6.05% | 5.67% | +0.38% | 71st above |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 38th below |
| Net Interest Spread | 3.29% | 3.32% | -0.03% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 1.40% | 0.70% | +0.70% | 13th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 1125.07% | 1538.85% | -413.78% | — |
| Texas Ratio | 10.67% | 7.33% | +3.34% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.72% | 19.50% | -1.78% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.72% | 19.54% | -1.82% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.97% | 20.62% | -1.65% | 68th above |
| Leverage Ratio | 12.40% | 12.14% | +0.26% | 69th above |
| Equity / Assets | 12.32% | 11.37% | +0.95% | 74th above |
| TCE / Tangible Assets | 12.32% | 11.09% | +1.23% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.13% | 80.64% | +2.49% | 45th below |
| Core Deposit Ratio | 78.59% | 86.86% | -8.27% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.56% | 6.86% | -10.42% | 7th bottom |
| Loan Growth (Y/Y) | -0.58% | 7.91% | -8.49% | 21st bottom |
| Deposit Growth (Y/Y) | -4.56% | 6.29% | -10.85% | 7th bottom |
See First Vision Bank of Tennessee's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Vision 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 Vision Bank of Tennessee profile, how to read a UBPR, or how this data updates.