FDIC Cert #4952 · Mcminnville, Tennessee · Est. 1874

The First National Bank of Middle Tennessee - FDIC Bank Health Profile

A community-scale look at The First National Bank of Middle Tennessee's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$938M
Total assets
B
Health grade · Good
0.78%
Return on assets
14.9%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Middle Tennessee earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.90% Tier 1, 0.78% ROA, 72% efficiency ratio.

#1,110
largest of 4,313 FDIC banks by assets
74th
percentile by asset size, nationally
14.90%
Tier 1 ratio - above the 10% well-capitalized line
28th
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.

FDIC Call Report plate

Cert 4952 · TN B · 69/100

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

  • GRADE-B B (69/100)
  • MID-PACK #3098/4307
  • PHOTO-FINISH Western National Bank · MN
  • TIER1-WELL 14.9% Tier 1
  • TEXAS-CLEAN 8.0% Texas
  • ROA-PAR 0.78% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Western National 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 The First National Bank of Middle Ten…

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

Morgan Stanley Bank,… · UT ·…100/100Patrons Bank, Nation… · OK ·…69/100Spencer County Bank · IN · n…69/100The First National B… · TN ·…69/100Union State Bank · AL · near69/100Western National Bank · MN ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Middle Ten… · July 2026

What The First National Bank of Middle Ten…'s Call Report plate shows

The First National Bank of Middle Tennessee (FDIC Cert #4952) carries a PlainBankData health grade of B at 69/100, 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 #3,098 of 4,307. Tier 1 capital prints at 14.90%, clearing the 10% well-capitalized line. The Texas Ratio is 7.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.78%. Balance-sheet scale is $938M, 1,110th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Western National 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 The First National Bank of Middle Ten…

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

The First National Bank of Middle Tennessee'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; The First National Bank of Middle Tennessee 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 The First National Bank of Middle Tennessee's 69/100 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 avg77/10069/100
The First National Bank of Middle Tennessee's composite health score
Tier 1 Capital Ratio (14.90%) 35/40
Return on Assets (ROA) (0.78%) 14/25
Texas Ratio (7.98%) 16/20
Efficiency Ratio (72.46%) 4/15

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

Balance sheet at a glance

Total Assets

$938M

Total balance-sheet footings

Total Deposits

$828M

Customer-funded liabilities

Net Loans

$725M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.5% 14.9% 16.3%
Basel III capital ratios - The First National Bank of Middle Tennessee

Where The First National Bank of Middle Tennessee ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Middle Tennessee's score of 69/100 falls in the highlighted band.

The First National Bank of Middle Tennessee: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Middle Ten… 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

The First National Bank of Middle Tennessee'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). The First National Bank of Middle Tennessee's $938M falls in the highlighted band.

Safety ratios for The First National Bank of Middle Ten…

Tier 1 capital ratio
Well-capitalized 10%

14.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.90%
Texas Ratio
7.98%
Equity Capital
$89M

What these ratios mean →

Profitability metrics: The First National Bank of Middle Ten…

Return on Assets (ROA)
28th percentile nationally
0.78%
Return on Equity (ROE)
8.05%
Efficiency Ratio
72.46%

What these mean →

Income & expense at The First National Bank of Middle Ten…

$48M
Interest Income
$8M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Middle Tennessee reports a Texas Ratio of 7.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Middle Tennessee 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($938M here), outside Tennessee so the neighborhood is not state containment.

First Northern Bank and Trust Company $936M · PA SpiritBank $936M · OK Atlantic Community Bankers Bank $940M · PA Texas Bank $936M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Middle Tennessee (FDIC Cert #4952) - 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.

The First National Bank of Middle Tennessee 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%
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%