TellerScore

Headquartered in Jefferson City, Tennessee, First Peoples Bank of Tennessee is a state-chartered bank with $219.5M in total assets and $188.3M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1975.

Based on its Q2 2026 filing, First Peoples Bank of Tennessee scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 38th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is funding & liquidity (63/100; 83% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.41%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 83.3% · 27.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.52%

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 (74 → 75).

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202471
Q4 202472
Q1 202574
Q2 202574
Q3 202574
Q4 202574
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%8.21%11.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.49%
Q3 202410.57%
Q4 202410.75%
Q1 202511.15%
Q2 202511.34%
Q3 202511.34%
Q4 202511.37%
Q1 202611.25%
Q2 202611.41%
Noncurrent loans
0.02%0.05%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.02%
Q4 20240.02%
Q1 20250.02%
Q2 20250.02%
Q3 20250.09%
Q4 20250.09%
Q1 20260.08%
Q2 20260.08%
Return on assets
0.29%0.69%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.35%
Q4 20240.50%
Q1 20250.59%
Q2 20250.67%
Q3 20250.71%
Q4 20250.71%
Q1 20261.08%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$219.5M11.41%0.08%1.08%83.3%
Q1 202675$223.4M11.25%0.08%1.08%80.2%
Q4 202574$228.0M11.37%0.09%0.71%74.2%
Q3 202574$222.1M11.34%0.09%0.71%75.5%
Q2 202574$212.3M11.34%0.02%0.67%77.2%
Q1 202574$214.5M11.15%0.02%0.59%74.2%
Q4 202472$215.8M10.75%0.02%0.50%74.6%
Q3 202471$211.8M10.57%0.02%0.35%76.8%
Q2 202470$211.0M10.49%0.02%0.29%72.4%

2,650 peers · $100 million – $1 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 ratio11.41%
57th
Total risk-based capital15.20%
69th
Problem loans0.08%
76th
Net charge-offs-1.10%
100th
Return on assets1.08%
39th
Net interest margin4.46%
78th
Efficiency ratio67.1%
37th
Loans to deposits83.3%
42nd
Uninsured deposits27.0%
38th
Loan-loss reserves2.04%
94th
Texas ratio0.5%
76th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Foundation BankBank Mc Kenzie, TN75 out of 100, Strong$217.9M14.7%2.39%vs
Security BankBank Newbern, TN70 out of 100, Strong$224.1M10.5%0.54%vs
First Farmers & Commercial BankBank Pikeville, TN71 out of 100, Strong$226.4M9.9%0.07%vs
Bank of Lincoln CountyBank Fayetteville, TN86 out of 100, Very strong$230.1M12.2%0.01%vs
Peoples Bank of the SouthBank La Follette, TN76 out of 100, Strong$232.0M12.4%0.85%vs
Farmers State BankBank Mountain City, TN73 out of 100, Strong$232.6M12.6%0.83%vs

Deposit insurance

Is my money safe at First Peoples Bank of Tennessee?

Yes. First Peoples Bank of Tennessee is an FDIC-insured institution (FDIC certificate #21874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($50.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.20% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First Peoples Bank of Tennessee lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Peoples Bank of Tennessee
Former names
First Peoples Bank of Jefferson County
Type
State-chartered bank
FDIC certificate #
21874
RSSD ID
421539
Primary regulator
FDIC
Holding company
First Peoples Bcorp Inc
Established
January 2, 1975
Headquarters
206 W Broadway Blvd, Jefferson City, TN 37760
Employees
41

Quick answers

First Peoples Bank of Tennessee: common questions

Is First Peoples Bank of Tennessee FDIC insured?

Yes. First Peoples Bank of Tennessee is an FDIC-insured institution (FDIC certificate #21874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Peoples Bank of Tennessee's TellerScore?

75 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 Peoples Bank of Tennessee ever failed?

There is no failure record for FDIC certificate #21874 in the FDIC failed bank list.

How many branches does First Peoples Bank of Tennessee have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jefferson City

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Citizens Bank and Trust Company of Grainger CountyBank Rutledge, TN85 out of 100, Very strong$273.2M14.2%0.44%vs
First Choice Community Credit UnionCredit union Knoxville, TN85 out of 100, Very strong$48.9M16.4%1.02%vs
Knoxville Law Enforcement Federal Credit UnionCredit union Knoxville, TN84 out of 100, Strong$39.1M13.8%0.50%vs