First National Bank of Pulaski: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Pulaski is an FDIC-insured commercial bank. Returns are notably above industry norms: 1.44% ROA, 14.80% ROE, and 3.77% NIM. First National Bank of Pulaski's Q2 2026 balance sheet shows $1.5B in assets funded primarily by $1.3B in customer deposits. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.32% exceeds the CBLR threshold. Asset quality is pristine, 0.24% NPLs and a 2.07% Texas Ratio. Its footprint covers 14 branches concentrated in Tennessee.
As of June 30, 2026, First National Bank of Pulaski reported a Tier 1 leverage ratio of 11.32%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.24%, a Texas ratio of 2.07%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 206 S 1st St, Pulaski, TN 38478
- County
- Giles
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 12, 1938
- Offices
- 14 domestic
- Employees (FTE)
- 189
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $13.4M
- Net charge-offs (YTD)
- $67K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 12, 1938
- FDIC Cert
- 15572
- Fed RSSD
- 972732
- SEC CIK
- 354706 → filed by FIRST PULASKI NATIONAL CORPORATION
- Website
- www.fnbforyou.com →
- Parent Holding Company
- FIRST PULASKI NATIONAL CORPORATION (RSSD 1082393)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank of Pulaski terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 1.44% | 0.24% | 2.07% | 3.77% |
| Q1 2026 | 10.92% | 1.31% | 0.32% | 3.04% | 3.59% |
| Q4 2025 | 10.93% | 1.31% | 0.26% | 1.74% | 3.72% |
| Q3 2025 | 11.16% | 1.43% | 0.11% | 0.89% | 3.78% |
| Q2 2025 | 10.94% | 1.17% | 0.10% | 0.98% | 3.66% |
| Q1 2025 | 10.85% | 1.20% | 0.07% | 0.47% | 3.37% |
| Q4 2024 | 10.65% | 1.20% | 0.16% | 1.17% | 3.33% |
| Q3 2024 | 10.61% | 1.13% | 0.04% | 0.31% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Pulaski (main office) | Pulaski , TN | 38478 | $354.4M |
| Athens Branch | Athens , AL | 35611 | $281.1M |
| Lincoln County Branch | Fayetteville , TN | 37334 | $177.4M |
| Ardmore Branch | Ardmore , TN | 38449 | $140.3M |
| Lewisburg Branch | Lewisburg , TN | 37091 | $77.6M |
| Huntsville Branch | Huntsville , AL | 35805 | $77.0M |
| Park City Branch | Fayetteville , TN | 37334 | $74.3M |
| Athens Downtown Branch | Athens , AL | 35611 | $53.3M |
| Cullman Branch | Cullman , AL | 35055 | $43.3M |
| Madison Office Branch | Madison , AL | 35758 | $24.8M |
| Lynnville Branch | Lynnville , TN | 38472 | $17.6M |
| Pulaski Branch | Pulaski , TN | 38478 | $7.6M |
| Industrial Park Branch | Pulaski , TN | 38478 | $5.1M |
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 |
|---|---|---|---|
| April 12, 2002 | M&A | merger | SEC |
| April 12, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 2002 | Structure Change | Acquired Bank of Belfast 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 3 events.
Regulatory record
What the public regulatory sources show for First National Bank of Pulaski, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TN, rank 48 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 302 applications, 250 loans originated, $69.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank of Pulaski
What are First National Bank of Pulaski's total assets?
As of the Q2 2026 filing, First National Bank of Pulaski reported total assets of $1.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Pulaski headquartered?
First National Bank of Pulaski is headquartered in Pulaski, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Pulaski founded?
First National Bank of Pulaski was established in 1938, per the FDIC institution directory.
Is First National Bank of Pulaski FDIC-insured?
Yes. First National Bank of Pulaski is an FDIC-insured commercial bank (FDIC Certificate #15572). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Pulaski?
First National Bank of Pulaski's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank of Pulaski operate?
First National Bank of Pulaski operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Pulaski's Texas Ratio?
First National Bank of Pulaski's Texas Ratio is 2.07% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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