FirstBank (Nashville, TN): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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
- Offices
- 132 domestic
- 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
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. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
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.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
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 FirstBank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock FirstBank, 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
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.
Metric pages for FirstBank: Uninsured deposits.
Banks merged into FirstBank
- Southern States Bank, effective July 1, 2025
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 | 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
Every branch from the FDIC Summary of Deposits, 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 98 branches →
| 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
What the public regulatory sources show for FirstBank, 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
- 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).
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is FirstBank headquartered?
FirstBank is headquartered in Nashville, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was FirstBank founded?
FirstBank was established in 1906, per the FDIC institution directory.
Is FirstBank FDIC-insured?
Yes. FirstBank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is FirstBank's CET1 capital ratio?
FirstBank 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?
FirstBank 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?
FirstBank's Texas Ratio is 8.29% 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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