Regulatory profile
Livingston, TN · FDIC certificate #19502 · RSSD 283737
FIRST NB OF TENNESSEE is an FDIC-insured institution based in Livingston, TN (FDIC certificate #19502). In its Q3 2026 Call Report it reported total assets of $1.4B, total deposits of $1.2B and net loans of $697M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NB OF TENNESSEE is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: FIRST NB OF TENNESSEE reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Selected CRE loans to gross loans and leases: FIRST NB OF TENNESSEE reported 0.415, in the 36.0th percentile of 862 peers, where the median is 0.468. Domestic secured CRE noncurrent ratio: FIRST NB OF TENNESSEE reported 0.004, in the 54.0th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: FIRST NB OF TENNESSEE reported 0.871, in the 68.9th percentile of 902 peers, where the median is 0.850. Nontrading derivative fair value to assets: FIRST NB OF TENNESSEE reported 0.000, in the 0.0th percentile of 533 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: FIRST NB OF TENNESSEE reported 0.517, in the 25.8th percentile of 887 peers, where the median is 0.596. Bank equity to assets: FIRST NB OF TENNESSEE reported 0.115, in the 67.3th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: FIRST NB OF TENNESSEE reported 0.471, in the 94.5th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: FIRST NB OF TENNESSEE reported 0.022, in the 58.3th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: FIRST NB OF TENNESSEE reported 0.510, in the 7.9th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: FIRST NB OF TENNESSEE reported 0.594, in the 6.3th percentile of 890 peers, where the median is 0.881. Net interest margin: FIRST NB OF TENNESSEE reported 4.070, in the 72.5th percentile of 902 peers, where the median is 3.704. Net loans and leases: FIRST NB OF TENNESSEE reported 704406.000, in the 8.3th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: FIRST NB OF TENNESSEE reported 0.003, in the 32.2th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: FIRST NB OF TENNESSEE reported 0.003, in the 29.5th percentile of 887 peers, where the median is 0.005. Return on assets: FIRST NB OF TENNESSEE reported 2.111, in the 91.2th percentile of 902 peers, where the median is 1.260. Return on equity: FIRST NB OF TENNESSEE reported 18.960, in the 87.9th percentile of 894 peers, where the median is 12.185. Securities to assets: FIRST NB OF TENNESSEE reported 0.369, in the 94.6th percentile of 895 peers, where the median is 0.147. Time deposits maturing within one year: FIRST NB OF TENNESSEE reported 0.903, in the 45.8th percentile of 880 peers, where the median is 0.914. Total assets: FIRST NB OF TENNESSEE reported 1379919.000, in the 27.6th percentile of 902 peers, where the median is 2016575.000. Total deposits: FIRST NB OF TENNESSEE reported 1201512.000, in the 30.4th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): FIRST NB OF TENNESSEE reported 0.517, in the 27.8th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): FIRST NB OF TENNESSEE reported 0.041, in the 76.0th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.051, in the 41.9th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.011, in the 12.2th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: FIRST NB OF TENNESSEE reported 0.040, in the 79.1th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.004, in the 32.2th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.023, in the 37.8th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: FIRST NB OF TENNESSEE reported 0.000, in the 9.2th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: FIRST NB OF TENNESSEE reported 0.021, in the 80.3th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.021, in the 80.2th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.021, in the 91.3th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.017, in the 81.2th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.975, in the 83.3th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.645, in the 20.1th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: FIRST NB OF TENNESSEE reported 0.052, in the 34.2th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: FIRST NB OF TENNESSEE reported 0.041, in the 74.8th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: FIRST NB OF TENNESSEE reported 0.000, in the 28.5th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: FIRST NB OF TENNESSEE reported 0.003, in the 53.2th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: FIRST NB OF TENNESSEE reported 0.586, in the 6.6th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: FIRST NB OF TENNESSEE reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: FIRST NB OF TENNESSEE reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: FIRST NB OF TENNESSEE reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): FIRST NB OF TENNESSEE reported 0.021, in the 74.8th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): FIRST NB OF TENNESSEE reported 0.021, in the 91.3th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): FIRST NB OF TENNESSEE reported 0.190, in the 87.9th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: FIRST NB OF TENNESSEE reported 0.231, in the 23.3th percentile of 829 peers, where the median is 0.310.
Peer history below covers 25 quarters of FIRST NB OF TENNESSEE's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Selected CRE loans to gross loans and leases | 0.415 | 0.468 | 36.0th | 862 |
| Domestic secured CRE noncurrent ratio | 0.004 | 0.003 | 54.0th | 872 |
| Deposit funding ratio | 0.871 | 0.850 | 68.9th | 902 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 533 |
| Unadjusted YTD efficiency ratio | 0.517 | 0.596 | 25.8th | 887 |
| Bank equity to assets | 0.115 | 0.104 | 67.3th | 894 |
| Cash and securities to assets | 0.471 | 0.208 | 94.5th | 895 |
| Quarterly loan growth | 0.022 | 0.018 | 58.3th | 886 |
| Loan-to-asset ratio | 0.510 | 0.732 | 7.9th | 902 |
| Domestic loans to domestic deposits | 0.594 | 0.881 | 6.3th | 890 |
| Net interest margin | 4.070 | 3.704 | 72.5th | 902 |
| Net loans and leases | 704406.000 | 1384981.000 | 8.3th | 902 |
| Nonaccrual loans ratio | 0.003 | 0.005 | 32.2th | 887 |
| Noncurrent loans ratio | 0.003 | 0.005 | 29.5th | 887 |
| Return on assets | 2.111 | 1.260 | 91.2th | 902 |
| Return on equity | 18.960 | 12.185 | 87.9th | 894 |
| Securities to assets | 0.369 | 0.147 | 94.6th | 895 |
| Time deposits maturing within one year | 0.903 | 0.914 | 45.8th | 880 |
| Total assets | 1379919.000 | 2016575.000 | 27.6th | 902 |
| Total deposits | 1201512.000 | 1666886.000 | 30.4th | 902 |
| Efficiency ratio (official UBPR) | 0.517 | 0.591 | 27.8th | 875 |
| Net interest margin (official UBPR) | 0.041 | 0.036 | 76.0th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.051 | 0.052 | 41.9th | 875 |
| Interest Expense as a percent of Average Assets | 0.011 | 0.018 | 12.2th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.040 | 0.035 | 79.1th | 875 |
| Noninterest Income as a percent of Average Assets | 0.004 | 0.006 | 32.2th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.023 | 0.024 | 37.8th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.001 | 9.2th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.021 | 0.016 | 80.3th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.021 | 0.016 | 80.2th | 875 |
| Net Operating Income as a percent of Average Assets | 0.021 | 0.013 | 91.3th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.017 | 0.012 | 81.2th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.975 | 0.956 | 83.3th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.645 | 0.723 | 20.1th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.052 | 0.055 | 34.2th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.041 | 0.037 | 74.8th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 28.5th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.003 | 0.003 | 53.2th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.586 | 0.872 | 6.6th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.021 | 0.017 | 74.8th | 875 |
| Return on assets (official UBPR) | 0.021 | 0.013 | 91.3th | 875 |
| Return on equity (official UBPR) | 0.190 | 0.122 | 87.9th | 874 |
| Estimated uninsured to domestic deposits | 0.231 | 0.310 | 23.3th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on assetsROA | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Return on equityROE | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net interest marginNIMY | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | > P75 | > P75 | P25–75 | P25–75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.