First Vision Bank of Tennessee: how it compares with its peers
Against 49 TN banks with half to twice its assets, First Vision Bank of Tennessee's strongest measure in Q2 2026 is net interest margin (4.00% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.09% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 4.01% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.81% | 66.67% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.4M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.07% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 69.81% is above the 66.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Frankewing Frankewing, TN · $413M
- Heritage Bank & Trust Columbia, TN · $418M
- Coffee County Bank Manchester, TN · $428M
- Volunteer Federal Savings Bank Madisonville, TN · $397M
- Security Federal Savings Bank of McMinnville Mcminnville, TN · $386M
- RockPointBank, National Association Chattanooga, TN · $384M
Questions about First Vision Bank of Tennessee
How big is First Vision Bank of Tennessee?
First Vision Bank of Tennessee, established in 2005, is headquartered in Tullahoma, TN. It reported $414M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Vision Bank of Tennessee's return on assets?
1.01% annualized in Q2 2026, against a 1.09% median for 49 TN banks with half to twice its assets, ahead of 47% of them.
What is First Vision Bank of Tennessee's efficiency ratio?
69.81% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 66.67%, and lower is better.
Is First Vision Bank of Tennessee growing its loans?
Net loans shrank 0.6% over the year to Q2 2026, while deposits shrank 4.6%.
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.