TellerScore

First Vision Bank of Tennessee (FDIC certificate #58201) is based in Tullahoma, Tennessee. Its Q2 2026 call report shows $414.2M in total assets and $357.0M in deposits and 5 offices.

Based on its Q2 2026 filing, First Vision Bank of Tennessee scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 31st. Its strongest component is loan quality (97/100; 0.08%), and its lowest is earnings (60/100; 1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.40%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 82.1% · 23.4% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.43%

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

From Q2 2025 to Q2 2026, the score rose 18 points (59 → 77), mostly because the loan quality component improved by 59 points.

TellerScore
496377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202449
Q4 202457
Q1 202553
Q2 202559
Q3 202572
Q4 202574
Q1 202667
Q2 202677
Tier 1 leverage ratio
5.00%8.70%12.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.68%
Q3 202410.20%
Q4 202410.32%
Q1 202510.60%
Q2 202511.51%
Q3 202511.86%
Q4 202512.00%
Q1 202612.19%
Q2 202612.40%
Noncurrent loans
0.08%1.27%2.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.70%
Q3 20242.46%
Q4 20241.90%
Q1 20252.35%
Q2 20251.85%
Q3 20250.35%
Q4 20250.19%
Q1 20261.11%
Q2 20260.08%
Return on assets
0.79%0.90%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.93%
Q4 20240.97%
Q1 20250.79%
Q2 20250.85%
Q3 20250.88%
Q4 20250.87%
Q1 20260.96%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$414.2M12.40%0.08%1.01%82.1%
Q1 202667$423.7M12.19%1.11%0.96%78.0%
Q4 202574$425.6M12.00%0.19%0.87%80.3%
Q3 202572$415.9M11.86%0.35%0.88%81.7%
Q2 202559$429.4M11.51%1.85%0.85%78.8%
Q1 202553$466.3M10.60%2.35%0.79%70.2%
Q4 202457$478.3M10.32%1.90%0.97%70.7%
Q3 202449$462.4M10.20%2.46%0.93%80.0%
Q2 202465$473.9M9.68%0.70%0.97%80.7%

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 ratio12.40%
69th
Total risk-based capital18.97%
84th
Problem loans0.08%
76th
Net charge-offs-0.01%
90th
Return on assets1.01%
34th
Net interest margin4.00%
53rd
Efficiency ratio69.8%
31st
Loans to deposits82.1%
45th
Uninsured deposits23.4%
52nd
Loan-loss reserves1.28%
61st
Texas ratio10.4%
17th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of FrankewingBank Frankewing, TN41 out of 100, Below average$413.1M11.3%6.25%vs
Heritage Bank & TrustBank Columbia, TN65 out of 100, Moderate$417.8M8.5%0.36%vs
Coffee County BankBank Manchester, TN76 out of 100, Strong$427.6M9.6%0.18%vs
Volunteer Federal Savings BankBank Madisonville, TN75 out of 100, Strong$397.1M11.2%0.34%vs
Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN80 out of 100, Strong$386.0M11.9%0.00%vs
RockPointBank, National AssociationBank Chattanooga, TN68 out of 100, Moderate$384.5M12.1%0.13%vs

Deposit insurance

Is my money safe at First Vision Bank of Tennessee?

Yes. First Vision Bank of Tennessee is an FDIC-insured institution (FDIC certificate #58201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.4% of deposits ($83.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.97% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Vision Bank of Tennessee reported 91 home-loan applications under HMDA (LEI 549300W40F67Y6WWQX34): 80 originated ($19,370,000 total), 5 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, 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 Vision Bank of Tennessee
Type
State-chartered bank (Fed member)
FDIC certificate #
58201
RSSD ID
3350658
Primary regulator
FED
Holding company
First Vision Financial Inc
Established
November 28, 2005
Headquarters
1401 N Jackson St, Tullahoma, TN 37388
Employees
71

Quick answers

First Vision Bank of Tennessee: common questions

Is First Vision Bank of Tennessee FDIC insured?

Yes. First Vision Bank of Tennessee is an FDIC-insured institution (FDIC certificate #58201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Vision Bank of Tennessee'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 Vision Bank of Tennessee ever failed?

There is no failure record for FDIC certificate #58201 in the FDIC failed bank list.

How many branches does First Vision Bank of Tennessee have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tullahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank & Trust CompanyBank Manchester, TN93 out of 100, Very strong$168.6M14.7%0.02%vs
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Bank of Lincoln CountyBank Fayetteville, TN86 out of 100, Very strong$230.1M12.2%0.01%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs