TellerScore

First National Bank of Pulaski (FDIC certificate #15572) is based in Pulaski, Tennessee. Its Q2 2026 call report shows $1.5B in total assets and $1.3B in deposits and 14 offices across 2 states.

Based on its Q2 2026 filing, First National Bank of Pulaski scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 29th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is capital cushion (63/100; 11.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.32%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 76.3% · 29.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202475
Q1 202576
Q2 202576
Q3 202578
Q4 202576
Q1 202675
Q2 202677
Tier 1 leverage ratio
5.00%8.16%11.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.33%
Q3 202410.61%
Q4 202410.65%
Q1 202510.85%
Q2 202510.94%
Q3 202511.16%
Q4 202510.93%
Q1 202610.92%
Q2 202611.32%
Noncurrent loans
0.03%0.15%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.08%
Q1 20250.07%
Q2 20250.03%
Q3 20250.03%
Q4 20250.18%
Q1 20260.26%
Q2 20260.24%
Return on assets
1.11%1.25%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.12%
Q4 20241.15%
Q1 20251.22%
Q2 20251.20%
Q3 20251.28%
Q4 20251.29%
Q1 20261.34%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$1.5B11.32%0.24%1.40%76.3%
Q1 202675$1.5B10.92%0.26%1.34%74.3%
Q4 202576$1.5B10.93%0.18%1.29%74.5%
Q3 202578$1.5B11.16%0.03%1.28%77.5%
Q2 202576$1.4B10.94%0.03%1.20%75.9%
Q1 202576$1.4B10.85%0.07%1.22%74.7%
Q4 202475$1.4B10.65%0.08%1.15%75.0%
Q3 202476$1.4B10.61%0.04%1.12%74.9%
Q2 202474$1.4B10.33%0.04%1.11%73.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.32%
66th
Total risk-based capital0.00%
13th
Problem loans0.24%
74th
Net charge-offs0.01%
63rd
Return on assets1.40%
63rd
Net interest margin3.79%
55th
Efficiency ratio53.6%
66th
Loans to deposits76.3%
75th
Uninsured deposits29.7%
54th
Loan-loss reserves1.30%
69th
Texas ratio2.1%
68th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Apex BankBank Camden, TN66 out of 100, Moderate$1.5B14.5%2.49%vs
Citizens BankBank Elizabethton, TN75 out of 100, Strong$1.4B12.6%1.14%vs
First National Bank of TennesseeBank Livingston, TN86 out of 100, Very strong$1.4B11.6%0.28%vs
Truxton Trust CompanyBank Nashville, TN79 out of 100, Strong$1.4B9.3%0.02%vs
Citizens Tri-County BankBank Dunlap, TN70 out of 100, Strong$1.6B9.3%0.75%vs
Studio BankBank Nashville, TN57 out of 100, Moderate$1.3B9.5%1.03%vs

Deposit insurance

Is my money safe at First National Bank of Pulaski?

Yes. First National Bank of Pulaski is an FDIC-insured institution (FDIC certificate #15572). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($395.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

First National Bank of Pulaski lists 13 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank of Pulaski reported 302 home-loan applications under HMDA (LEI 549300ZGTRKCDKOVEQ80): 251 originated ($69,385,000 total), 15 denied, and 36 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank of Pulaski
Type
National bank
FDIC certificate #
15572
RSSD ID
972732
Primary regulator
OCC
Holding company
First Pulaski National Corp
Established
January 12, 1938
Headquarters
206 S 1st St, Pulaski, TN 38478
Employees
189

Quick answers

First National Bank of Pulaski: common questions

Is First National Bank of Pulaski FDIC insured?

Yes. First National Bank of Pulaski is an FDIC-insured institution (FDIC certificate #15572). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Pulaski's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank of Pulaski ever failed?

There is no failure record for FDIC certificate #15572 in the FDIC failed bank list.

How many branches does First National Bank of Pulaski have?

14 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pulaski

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
North Alabama BankBank Hazel Green, AL80 out of 100, Strong$178.6M11.7%0.15%vs