Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #15572 · Pulaski, Tennessee · Est. 1938
First National Bank of Pulaski - FDIC Bank Health Profile
A community-scale look at First National Bank of Pulaski's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- A
- Health grade · Excellent
- 1.29%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of Pulaski earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.93% Tier 1, profitable at 1.29% ROA, efficient (54% cost ratio).
- #751
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 10.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First National Bank of Pulaski's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of Pulaski's composite health score
Tier 1 Capital Ratio (10.93%) 28/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (1.19%) 20/20
Efficiency Ratio (53.68%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$999M
Outstanding loan book
Net Income
$19M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of Pulaski ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Pulaski's score of 80/100 falls in the highlighted band.
First National Bank of Pulaski's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of Pulaski's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.93%
Texas Ratio
1.19%
Equity Capital
$142M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.29%
Return on Equity (ROE)
14.03%
Efficiency Ratio
53.68%
What the numbers say about First National Bank of Pulaski
First National Bank of Pulaski is an FDIC-insured institution (Certificate #15572) headquartered in Pulaski, Tennessee, established in 1938. It holds $1.5B in total assets - 751st of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $999M in net loans. Its capital position: a Tier 1 ratio of 10.93%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.19% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank of Pulaski sits 20th of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$79M
Interest Income
$6M
Non-Interest Income
$31M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Pulaski reports a Texas Ratio of 1.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Pulaski (FDIC Cert #15572) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is First National Bank of Pulaski's health grade?▼
First National Bank of Pulaski receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank of Pulaski?▼
First National Bank of Pulaski holds $1.5B in total assets and $1.3B in deposits, ranking 751st of 4,313 FDIC-insured banks by asset size. It is headquartered in Pulaski, Tennessee.
Is my money safe at First National Bank of Pulaski?▼
Yes, deposits at First National Bank of Pulaski (Certificate #15572) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Pulaski's Tier 1 Capital Ratio?▼
First National Bank of Pulaski has a Tier 1 Capital Ratio of 10.93%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank of Pulaski?▼
First National Bank of Pulaski has a Texas Ratio of 1.19%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of Pulaski?▼
First National Bank of Pulaski has an Efficiency Ratio of 53.68%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Pulaski's profile as a depositor or analyst.
- First National Bank of Pulaski's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Pulaski against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.