First National Bank of Tennessee: how it compares with its peers
Against 35 TN banks with half to twice its assets, First National Bank of Tennessee's strongest measure in Q2 2026 is return on assets (2.11% vs. a 1.30% peer median). Its weakest relative measure is net interest margin (4.07% vs. 3.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.11% | 1.30% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.89% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.70% | 56.54% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.4M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.63% | 81.41% | Context |
What it means for lending operations
Its efficiency ratio of 51.70% 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
- Truxton Trust Company Nashville, TN · $1.37B
- Studio Bank Nashville, TN · $1.34B
- Citizens Bank Elizabethton, TN · $1.42B
- Apex Bank Camden, TN · $1.46B
- First National Bank of Pulaski Pulaski, TN · $1.50B
- The Bank of Fayette County Piperton, TN · $1.14B
Questions about First National Bank of Tennessee
How big is First National Bank of Tennessee?
First National Bank of Tennessee, established in 1965, is headquartered in Livingston, TN. It reported $1.38B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is First National Bank of Tennessee's return on assets?
2.11% annualized in Q2 2026, against a 1.30% median for 35 TN banks with half to twice its assets, ahead of 94% of them.
What is First National Bank of Tennessee's efficiency ratio?
51.70% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 56.54%, and lower is better.
Is First National Bank of Tennessee growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits grew 3.3%.
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.