FirstBank: 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.
Reserve coverage of non-performing loans dropped 16.37 percentage points in Q2 2026, from 122.53% to 106.16%. It was the largest change from Q1 2026 among the key lines here. FirstBank ranks 34th of 109 Tennessee banks on return on assets, in the upper half at 1.49% (Q2 2026). FirstBank reported 1.49% on return on assets for Q2 2026, 0.20 points above the 1.29% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.29% |
| Tier 1 risk-based capital ratio | 11.29% |
| Total risk-based capital ratio | 12.54% |
| Tier 1 leverage ratio | 10.35% |
| Equity capital to assets | 11.75% |
| Tangible equity to tangible assets | 9.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.40% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 8.29% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 106.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 12.23% |
| Net interest margin | 3.96% |
| Efficiency ratio | 50.18% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.95% |
| Core deposits to total deposits | 86.62% |
| Brokered deposits to total deposits | 4.78% |
| Deposits to assets | 85.70% |
| Securities to assets | 9.11% |
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 | 11.82% | 11.82% | 13.82% | 10.77% | 0.63% |
| Q4 2023 | 12.20% | 12.20% | 14.25% | 11.06% | 0.95% |
| Q1 2024 | 12.54% | 12.54% | 14.69% | 11.08% | 0.90% |
| Q2 2024 | 12.71% | 12.71% | 14.87% | 11.45% | 1.30% |
| Q3 2024 | 12.70% | 12.70% | 14.85% | 11.19% | 0.35% |
| Q4 2024 | 12.60% | 12.60% | 14.75% | 10.82% | 1.17% |
| Q1 2025 | 12.65% | 12.65% | 14.78% | 11.01% | 1.20% |
| Q2 2025 | 12.10% | 12.10% | 14.22% | 10.80% | 0.13% |
| Q3 2025 | 12.01% | 12.01% | 13.26% | 10.78% | 0.64% |
| Q4 2025 | 11.69% | 11.69% | 12.95% | 10.46% | 1.47% |
| Q1 2026 | 11.81% | 11.81% | 13.06% | 10.58% | 1.46% |
| Q2 2026 | 11.29% | 11.29% | 12.54% | 10.35% | 1.49% |
FirstBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank, 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 FirstBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8663) · FFIEC NIC profile (RSSD 436159)