FirstBank (Nashville, TN)
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Data as of · sourced from FFIEC call reports. How we update
FirstBank is an FDIC-insured commercial bank headquartered in Nashville, TN, established in 1906 (FDIC certificate 8663), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $16.76B, up 25.8% from Q2 2025, the 3rd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.29% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8663
- Headquarters
- Nashville, TN
- Established
- 1906
- Total assets, Q2 2026
- $16.76B
- Assets vs Q2 2025
- +25.8%
- CET1 ratio, Q2 2026
- 11.29%
- Domestic offices
- 132 FDIC institution directory, current count
- Routing number
- 064009461
- Holding company
- FB FINANCIAL CORPORATION
- Asset rank in state
- 3rd of 109 in Tennessee
FirstBank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $16.8 billion at June 30, 2026, up 25.8% from a year earlier; it is based in Nashville, Tennessee. It holds common equity equal to 11.29% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also grew its loan book 30.4% over the year, 4.8 times the median of 6.3% for banks its size.
Loans are outrunning deposits: over the year loans rose 30.4% and deposits rose 25.5%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.91% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about double the median of 4.2% for banks its size.
As of June 30, 2026, FirstBank reported a CET1 capital ratio of 11.29%, a return on assets of 1.49%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 8.29%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, FirstBank is the 3rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $16.76B, loans rose 2.6% and deposits rose 1.9%. Non-owner-occupied commercial real estate loans made up 23.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.3%. Its 98 offices in the FDIC Summary of Deposits are in 67 cities across 4 states; its Nashville 4 offices book 17% of its branch deposits. By the capital ratios in its Q2 2026 call report, FirstBank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1221 Broadway, Nashville, TN 37203
- County
- Davidson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, 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
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1906
- Domestic offices
- 132 FDIC institution directory, current count
- Employees (FTE)
- 1,635
- Domestic deposits
- $14.36B
- Allowance for credit losses
- $194.0M
- Net charge-offs (YTD)
- $5.5M
- Average total assets
- $16.34B
- Average total loans
- $12.85B
- Average interest-bearing deposits
- $13.39B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8663
- Fed RSSD
- 436159
- SEC CIK
- 1649749 → filed by FB FINANCIAL CORPORATION
- Website
- www.firstbankonline.com →
- Parent Holding Company
- FB FINANCIAL CORPORATION (RSSD 1132104) · FBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher T Holmes | CEO | President and CEO |
| Michael M. Mettee | CFO | CFO & COO |
| Aimee T Hamilton | CRO | Chief Risk Officer |
| Beth W Sims | GC | General Counsel and Corp. Sec. |
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
From Q3 2023 to Q2 2026, FirstBank's total assets ranged from $12.47B (Q3 2023) to $16.76B (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
$16.76B total assets against $13.32B; $14.79B total liabilities against $11.75B.
$12.87B net loans and leases against $9.87B; $14.36B total deposits against $11.44B.
$1.53B securities against $1.34B; $1.04B cash and balances due against $1.11B.
$229.4M total interest income against $182.1M; $79.0M total interest expense against $70.1M.
$150.5M net interest income against $112.0M.
$26.3M total noninterest income against $26.7M; $90.8M total noninterest expense against $80.6M.
$10.1M provision for credit losses against $5.3M.
$60.7M net income against $4.1M.
1.49% return on assets against 0.13%; 3.96% net interest margin against 3.67%.
11.29% CET1 capital ratio against 12.10%; 10.35% tier 1 leverage ratio against 10.80%.
Inside the full FirstBank 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.
FirstBank rankings
Its closest position to the top of a national ranking is 116 of 4,196, for total assets; its furthest is 1,893 of 2,134, for CET1 ratio.
Metric pages for FirstBank: Uninsured deposits.
Banks merged into FirstBank
- Southern States Bank, effective July 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.13% (Q2 2025) to 1.49% (Q2 2026) and its net interest margin ran from 3.50% (Q1 2025) to 4.03% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.29% | 1.49% | 1.40% | 8.29% | 3.96% |
| Q1 2026 | 11.81% | 1.46% | 1.19% | 6.37% | 3.90% |
| Q4 2025 | 11.69% | 1.47% | 1.18% | 6.65% | 4.03% |
| Q3 2025 | 12.01% | 0.64% | 1.10% | 6.27% | 4.02% |
| Q2 2025 | 12.10% | 0.13% | 1.17% | 6.41% | 3.67% |
| Q1 2025 | 12.65% | 1.20% | 1.05% | 5.13% | 3.50% |
| Q4 2024 | 12.60% | 1.17% | 1.18% | 5.83% | 3.52% |
| Q3 2024 | 12.70% | 0.35% | 1.27% | 6.28% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 98 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 |
|---|---|---|---|
| FirstBank (main office) | Nashville , TN | 37203 | $2.29B |
| Franklin Post Office Branch | Franklin , TN | 37064 | $855.7M |
| Birmingham Financial Center Branch | Birmingham , AL | 35203 | $568.1M |
| Knoxville Branch | Knoxville , TN | 37902 | $511.4M |
| Murfreesboro Main Branch | Murfreesboro , TN | 37129 | $474.3M |
| Chattanooga Northshore Branch | Chattanooga , TN | 37405 | $388.7M |
| Brentwood Branch | Brentwood , TN | 37027 | $320.6M |
| Carrollton Branch | Carrollton , GA | 30117 | $314.8M |
| Oak Hill Branch | Newnan , GA | 30265 | $311.0M |
| Jackson Channing Way Branch | Jackson , TN | 38305 | $309.2M |
| Auburn Branch | Auburn , AL | 36830 | $301.5M |
| Columbus Community Branch | Columbus , GA | 31909 | $301.2M |
| Ringgold Branch | Ringgold , GA | 30736 | $263.2M |
| Lexington West Church Branch | Lexington , TN | 38351 | $261.1M |
| Crossville Branch | Crossville , TN | 38555 | $220.1M |
| Memphis - Travue Branch | Germantown , TN | 38138 | $218.7M |
| Dalton Main Branch | Dalton , GA | 30720 | $217.8M |
| Jefferson City Branch | Jefferson City , TN | 37760 | $211.8M |
| Fairview Branch | Fairview , TN | 37062 | $195.9M |
| Century Bank of Georgia Branch | Cartersville , GA | 30120 | $195.2M |
| Smithville Branch | Smithville , TN | 37166 | $164.7M |
| Huntsville Twickenham Branch | Huntsville , AL | 35801 | $163.7M |
| Southern States Bank Branch | Anniston , AL | 36201 | $157.9M |
| Florence Branch | Florence , AL | 35630 | $154.7M |
| Nashville Green Hills Branch | Nashville , TN | 37215 | $140.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2025 | Structure Change | Acquired Southern States Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2020 | Structure Change | Acquired Franklin Synergy Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2020 | Structure Change | Acquired The Farmers National Bank of Scottsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2017 | Structure Change | Acquired American City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 19, 2015 | Structure Change | Acquired Northwest Georgia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | Structure Change | Acquired Portfolio Mangers Group II, Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 2003 | Structure Change | Acquired Bank of Murfreesboro Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 27, 2001 | Structure Change | Acquired Bank of Huntingdon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 27, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 27, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 27, 1999 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 12, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 1996 | Structure Change | Acquired The Bank of West Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.1% of deposits in TN, rank 6 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15,518 applications, 7,185 loans originated, $2.18B originated, across 34 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $5.5M approved, $691K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 FirstBank
What are FirstBank's total assets?
As of the Q2 2026 filing, FirstBank reported total assets of $16.76 billion in its FFIEC call report.
Where is FirstBank headquartered?
It is headquartered in Nashville, TN, United States.
When was FirstBank founded?
It was established in 1906, per the FDIC institution directory.
Is FirstBank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8663). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FirstBank?
FirstBank's primary federal regulator is the Federal Reserve.
What is FirstBank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.29% in its Q2 2026 call report, above regulatory requirements.
How many branches does FirstBank operate?
It operates 132 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FirstBank's Texas Ratio?
Its Texas Ratio is 8.29% 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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