The First National Bank of Oneida: how it compares with its peers
Against 49 TN banks with half to twice its assets, The First National Bank of Oneida's strongest measure in Q2 2026 is return on assets (1.97% vs. a 0.92% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.97% | 0.92% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.57% | 4.00% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.66% | 69.81% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.0M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.90% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 53.66% is better than the 69.81% 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
- Tower Community Bank Jasper, TN · $375M
- Community Bank Lexington, TN · $358M
- Citizens Community Bank Winchester, TN · $353M
- RockPointBank, National Association Chattanooga, TN · $384M
- Security Federal Savings Bank of McMinnville Mcminnville, TN · $386M
- Volunteer Federal Savings Bank Madisonville, TN · $397M
Questions about The First National Bank of Oneida
How big is The First National Bank of Oneida?
The First National Bank of Oneida, established in 1904, is headquartered in Oneida, TN. It reported $368M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The First National Bank of Oneida's return on assets?
1.97% annualized in Q2 2026, against a 0.92% median for 49 TN banks with half to twice its assets, ahead of 96% of them.
What is The First National Bank of Oneida's efficiency ratio?
53.66% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 69.81%, and lower is better.
Is The First National Bank of Oneida growing its loans?
Net loans grew 9.3% over the year to Q2 2026, while deposits grew 6.4%.
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.