First National Bank of Pulaski: how it compares with its peers
Against 35 TN banks with half to twice its assets, First National Bank of Pulaski's strongest measure in Q2 2026 is efficiency ratio (53.56% vs. a 56.54% peer median). Its weakest relative measure is net interest margin (3.79% vs. 3.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.30% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.95% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.56% | 56.54% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.4M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.26% | 81.41% | Context |
What it means for lending operations
Its efficiency ratio of 53.56% is better than the 56.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Apex Bank Camden, TN · $1.46B
- Citizens Bank Elizabethton, TN · $1.42B
- First National Bank of Tennessee Livingston, TN · $1.38B
- Truxton Trust Company Nashville, TN · $1.37B
- Citizens Tri-County Bank Dunlap, TN · $1.64B
- Studio Bank Nashville, TN · $1.34B
Questions about First National Bank of Pulaski
How big is First National Bank of Pulaski?
First National Bank of Pulaski, established in 1938, is headquartered in Pulaski, TN. It reported $1.50B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is First National Bank of Pulaski's return on assets?
1.40% annualized in Q2 2026, against a 1.30% median for 35 TN banks with half to twice its assets, ahead of 51% of them.
What is First National Bank of Pulaski's efficiency ratio?
53.56% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 56.54%, and lower is better.
Is First National Bank of Pulaski growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 2.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.