FDIC Cert #8663 · Nashville, Tennessee · Est. 1906

FirstBank - FDIC Bank Health Profile

A community-scale look at FirstBank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$16.3B
Total assets
B
Health grade · Good
0.89%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

FirstBank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.69% Tier 1, 0.89% ROA, efficient (59% cost ratio).

#119
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
11.69%
Tier 1 ratio - above the 10% well-capitalized line
35th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8663 · TN B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2949/4307
  • PHOTO-FINISH Sentry Bank · MN
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 6.9% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Sentry Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around FirstBank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First State Bank of… · ND · …70/100FirstBank · TN · this bank70/100Sentry Bank · MN · near70/100SULLIVAN BANK · MO · near70/100Union State Bank · IA · near70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FirstBank · July 2026

What FirstBank's Call Report plate shows

FirstBank (FDIC Cert #8663) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,949 of 4,307. Tier 1 capital prints at 11.69%, clearing the 10% well-capitalized line. The Texas Ratio is 6.87%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $16.3B, 119th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sentry Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around FirstBank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

FirstBank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; FirstBank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How FirstBank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
FirstBank's composite health score
Tier 1 Capital Ratio (11.69%) 28/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (6.87%) 16/20
Efficiency Ratio (59.00%) 12/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$16.3B

Total balance-sheet footings

Total Deposits

$13.9B

Customer-funded liabilities

Net Loans

$12.4B

Outstanding loan book

Net Income

$129M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.29% 11.69% 13.09%
Basel III capital ratios - FirstBank

Where FirstBank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FirstBank's score of 70/100 falls in the highlighted band.

FirstBank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. FirstBank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

FirstBank'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). FirstBank's $16.3B falls in the highlighted band.

Safety ratios for FirstBank

Tier 1 capital ratio
Well-capitalized 10%

11.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.69%
Texas Ratio
6.87%
Equity Capital
$2.0B

What these ratios mean →

Profitability metrics: FirstBank

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
7.44%
Efficiency Ratio
59.00%

What these mean →

Income & expense at FirstBank

$834M
Interest Income
$106M
Non-Interest Income
$375M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. FirstBank reports a Texas Ratio of 6.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View FirstBank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to FirstBank by assets

FirstBank is closely matched in total assets by First United Bank and Trust Company, Banner Bank, Bank of Baroda, NBT Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.93%, versus FirstBank's own 0.89%; the average efficiency ratio is 49.25%, versus 59.00% here; and average Tier 1 capital sits at 10.91%, versus 11.69% at FirstBank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $16.3B in assets, FirstBank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to FirstBank nationally by total assets
  1. 1
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Bank of Baroda $15.9B

    New York, NY · Grade F

  4. 4
    NBT Bank $15.9B

    Norwich, NY · Grade B

  5. 5
    Northwest Bank $16.8B

    Warren, PA · Grade B

  6. 6
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
FirstBank (this bank) TN $16.3B 0.89% 59.00% 11.69%
First United Bank and Trust Company OK $16.3B 0.97% 68.85% 12.24%
Banner Bank WA $16.3B 1.24% 60.12% 12.89%
Bank of Baroda NY $15.9B 0.00% 0.00% 0.00%
NBT Bank, National Association NY $15.9B 1.06% 60.43% 11.92%
Northwest Bank PA $16.8B 0.92% 63.71% 12.75%
Citizens Business Bank, National Association CA $15.6B 1.39% 42.42% 15.66%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($16.3B here), outside Tennessee so the neighborhood is not state containment.

First United Bank and Trust Company $16.3B · OK Banner Bank $16.3B · WA Bank of Baroda $15.9B · NY NBT Bank $15.9B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FirstBank (FDIC Cert #8663) - 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.

FirstBank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
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%
Commercial BankHarrogate $2.3B A 1.77%