First Vision Bank of Tennessee: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 17.72% was down 110bps from the prior quarter. First Vision Bank of Tennessee is a locally rooted FDIC-insured community bank based in Tullahoma, TN. On its most recent Q2 2026 call report, First Vision Bank of Tennessee reported $414M in total assets against $357M in deposits. Profitability tracks the broader industry: ROA 1.04%, ROE 8.67%, NIM 3.98%. Capital is comfortably above regulatory requirements, CET1 ratio of 17.72% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.11% NPLs and a 10.67% Texas Ratio. 5 branches make up the footprint.
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 0.11%, a Texas ratio of 10.67%, per financial data filed with the FFIEC.
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
- Offices
- 5 domestic
- 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
Capital & Liquidity
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.
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 Vision Bank of Tennessee terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Vision Bank of Tennessee, freeFirst Vision Bank of Tennessee rankings
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.72% | 1.04% | 0.11% | 10.67% | 3.98% |
| Q1 2026 | 18.82% | 0.96% | 0.20% | 16.61% | 3.88% |
| Q4 2025 | 18.08% | 0.85% | 0.20% | 11.85% | 3.84% |
| Q3 2025 | 17.88% | 0.96% | 0.22% | 13.05% | 3.85% |
| Q2 2025 | 17.46% | 0.92% | 1.91% | 11.00% | 3.54% |
| Q1 2025 | 17.83% | 0.81% | 1.95% | 13.89% | 2.97% |
| Q4 2024 | 17.27% | 1.13% | 1.94% | 12.83% | 2.82% |
| Q3 2024 | 16.02% | 0.83% | 2.47% | 16.91% | 3.19% |
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 5 branches →
| 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
What the public regulatory sources show for First Vision Bank of Tennessee, 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
- 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.
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Vision Bank of Tennessee headquartered?
First Vision Bank of Tennessee is headquartered in Tullahoma, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Vision Bank of Tennessee founded?
First Vision Bank of Tennessee was established in 2005, per the FDIC institution directory.
Is First Vision Bank of Tennessee FDIC-insured?
Yes. First Vision Bank of Tennessee 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Vision Bank of Tennessee's CET1 capital ratio?
First Vision Bank of Tennessee 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?
First Vision Bank of Tennessee 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?
First Vision Bank of Tennessee's Texas Ratio is 10.67% 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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