BlastPoint's Banking Scorecard
First National Bank of Tennessee
Community
Specialty: Commercial
TN
FDIC cert 19502
Livingston, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First National Bank of Tennessee has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 44% in Community
- + Loan-to-Deposit Ratio 23.58% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.0% YoY
+0.2% QoQ
|
-$36.8M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$707.3M
-0.1% YoY
-0.1% QoQ
|
-$268.2M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$1.2B
+1.9% YoY
+1.8% QoQ
|
+$24.4M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.99%
+9.7% YoY
-1.5% QoQ
|
+0.82% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.14%
+11.3% YoY
+1.1% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
55.19%
+0.3% YoY
+2.1% QoQ
|
-7.44% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.16%
-89.2% YoY
-5.1% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
59.48%
-2.0% YoY
-1.8% QoQ
|
-23.58% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.98%
-2.5% YoY
+0.2% QoQ
|
+4.93% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.08%
-89.5% YoY
-5.3% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.43%
+1.6% YoY
+33.6% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#162 of 371 · Top 44% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.99%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
59.48%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Capital Thin
risk
#116 of 432 · Bottom 27% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 59.48% · Tier avg: 83.06%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.16%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 21.05%
72
72th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 62.63%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
50
50th pctile
Total Loans
Current: $707.3M · Tier avg: $975.5M
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
50
50th pctile
Total Loans
Current: $707.3M · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
72
72th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 62.63%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 21.05%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.16%
92
92th pctile
Loan-to-Deposit Ratio
Current: 59.48% · Tier avg: 83.06%