First National Bank of Tennessee (FDIC certificate #19502) is based in Livingston, Tennessee. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 7 offices.
First National Bank of Tennessee has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 8th. Earnings contributes the most (100/100, 2.11%); capital cushion contributes the least (66/100, 11.55%).
TellerScore · Q2 2026
Scorecard
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 (87 → 86).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 84 |
| Q2 2025 | 87 |
| Q3 2025 | 88 |
| Q4 2025 | 84 |
| Q1 2026 | 84 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.19% |
| Q3 2024 | 10.41% |
| Q4 2024 | 10.86% |
| Q1 2025 | 11.25% |
| Q2 2025 | 11.64% |
| Q3 2025 | 12.05% |
| Q4 2025 | 10.57% |
| Q1 2026 | 11.14% |
| Q2 2026 | 11.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.49% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.85% |
| Q4 2024 | 1.81% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.96% |
| Q3 2025 | 2.02% |
| Q4 2025 | 1.99% |
| Q1 2026 | 2.11% |
| Q2 2026 | 2.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $1.4B | 11.55% | 0.28% | 2.11% | 58.6% |
| Q1 2026 | 84 | $1.4B | 11.14% | 0.30% | 2.11% | 57.8% |
| Q4 2025 | 84 | $1.4B | 10.57% | 0.16% | 1.99% | 59.5% |
| Q3 2025 | 88 | $1.4B | 12.05% | 0.17% | 2.02% | 60.6% |
| Q2 2025 | 87 | $1.3B | 11.64% | 0.19% | 1.96% | 60.1% |
| Q1 2025 | 84 | $1.3B | 11.25% | 0.20% | 1.77% | 58.3% |
| Q4 2024 | 71 | $1.3B | 10.86% | 1.49% | 1.81% | 60.7% |
| Q3 2024 | 69 | $1.3B | 10.41% | 1.55% | 1.85% | 59.0% |
| Q2 2024 | 84 | $1.3B | 11.19% | 0.16% | 1.76% | 59.5% |
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Truxton Trust CompanyBank Nashville, TN | 79 out of 100, Strong | $1.4B | 9.3% | 0.02% | vs |
| Studio BankBank Nashville, TN | 57 out of 100, Moderate | $1.3B | 9.5% | 1.03% | vs |
| Citizens BankBank Elizabethton, TN | 75 out of 100, Strong | $1.4B | 12.6% | 1.14% | vs |
| Apex BankBank Camden, TN | 66 out of 100, Moderate | $1.5B | 14.5% | 2.49% | vs |
| First National Bank of PulaskiBank Pulaski, TN | 77 out of 100, Strong | $1.5B | 11.3% | 0.24% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
Deposit insurance
Is my money safe at First National Bank of Tennessee?
Yes. First National Bank of Tennessee is an FDIC-insured institution (FDIC certificate #19502). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.1% of deposits ($277.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.55%, 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%).
7 locations
Branches
First National Bank of Tennessee lists 7 offices in 4 cities. Most locations:
- Cookeville, TN (2)
- Crossville, TN (2)
- Livingston, TN (2)
- Sparta, TN (1)
Identity & history
Profile
- Legal name
- First National Bank of Tennessee
- Former names
- First National Bank of Livingston; First National Bank of the Cumberlands
- Type
- National bank
- FDIC certificate #
- 19502
- RSSD ID
- 283737
- Primary regulator
- OCC
- Established
- October 25, 1965
- Headquarters
- 214 E Main St, Livingston, TN 38570
- Website
- www.fnbotn.com
- Employees
- 153
Quick answers
First National Bank of Tennessee: common questions
Is First National Bank of Tennessee FDIC insured?
Yes. First National Bank of Tennessee is an FDIC-insured institution (FDIC certificate #19502). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Tennessee's TellerScore?
86 out of 100 (Very 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 Tennessee ever failed?
There is no failure record for FDIC certificate #19502 in the FDIC failed bank list.
How many branches does First National Bank of Tennessee have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Livingston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Middle Tennessee Federal Credit UnionCredit union Cookeville, TN | 96 out of 100, Very strong | $71.3M | 16.8% | 0.40% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Citizens BankBank Carthage, TN | 92 out of 100, Very strong | $832.5M | 16.3% | 0.62% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| Putnam 1st Mercantile BankBank Cookeville, TN | 82 out of 100, Strong | $178.9M | 11.7% | 0.13% | vs |