TellerScore

Headquartered in Mcminnville, Tennessee, The First National Bank of Middle Tennessee is a national bank with $952.4M in total assets and $827.7M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1874.

Based on its Q2 2026 filing, The First National Bank of Middle Tennessee scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 76th. Its strongest component is loan quality (93/100; 0.22%), and its lowest is funding & liquidity (42/100; 95% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.03%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 94.7% · 36.3% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.03%

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 9 points (57 → 66), mostly because the loan quality component improved by 30 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202461
Q1 202556
Q2 202557
Q3 202557
Q4 202557
Q1 202662
Q2 202666
Tier 1 leverage ratio
5.00%7.87%10.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.60%
Q3 202410.74%
Q4 202410.18%
Q1 202510.20%
Q2 202510.24%
Q3 202510.30%
Q4 20259.86%
Q1 202610.03%
Q2 202610.03%
Noncurrent loans
0.04%0.60%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.05%
Q4 20240.67%
Q1 20251.10%
Q2 20251.12%
Q3 20251.15%
Q4 20251.05%
Q1 20260.72%
Q2 20260.22%
Return on assets
0.59%0.82%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.63%
Q4 20240.69%
Q1 20250.60%
Q2 20250.70%
Q3 20250.75%
Q4 20250.78%
Q1 20261.05%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$952.4M10.03%0.22%1.04%94.7%
Q1 202662$940.5M10.03%0.72%1.05%91.9%
Q4 202557$937.7M9.86%1.05%0.78%87.6%
Q3 202557$927.5M10.30%1.15%0.75%88.3%
Q2 202557$910.2M10.24%1.12%0.70%88.6%
Q1 202556$906.5M10.20%1.10%0.60%87.6%
Q4 202461$894.9M10.18%0.67%0.69%87.4%
Q3 202468$863.0M10.74%0.05%0.63%92.8%
Q2 202468$865.8M10.60%0.04%0.59%91.1%

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 ratio10.03%
32nd
Total risk-based capital0.00%
24th
Problem loans0.22%
63rd
Net charge-offs0.24%
10th
Return on assets1.04%
36th
Net interest margin3.54%
29th
Efficiency ratio66.1%
39th
Loans to deposits94.7%
17th
Uninsured deposits36.3%
15th
Loan-loss reserves0.96%
22nd
Texas ratio5.0%
36th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Bank of TennesseeBank Shelbyville, TN62 out of 100, Moderate$943.8M10.3%0.75%vs
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
First Commerce BankBank Lewisburg, TN77 out of 100, Strong$935.1M10.2%0.08%vs
Legends BankBank Clarksville, TN71 out of 100, Strong$927.7M10.0%0.00%vs
Tennessee State BankBank Pigeon Forge, TN72 out of 100, Strong$990.8M9.3%0.11%vs
Paragon BankBank Memphis, TN62 out of 100, Moderate$908.1M8.7%0.18%vs

Deposit insurance

Is my money safe at The First National Bank of Middle Tennessee?

Yes. The First National Bank of Middle Tennessee is an FDIC-insured institution (FDIC certificate #4952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.3% of deposits ($300.3M) 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 10.03%, 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

10 locations

Branches

The First National Bank of Middle Tennessee lists 9 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Middle Tennessee
Former names
The First National Bank of McMinnville
Type
National bank
FDIC certificate #
4952
RSSD ID
87234
Primary regulator
OCC
Holding company
First McMinnville Corp
Established
October 30, 1874
Headquarters
200 E Main St, Mcminnville, TN 37110
Employees
163

Quick answers

The First National Bank of Middle Tennessee: common questions

Is The First National Bank of Middle Tennessee FDIC insured?

Yes. The First National Bank of Middle Tennessee is an FDIC-insured institution (FDIC certificate #4952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Middle Tennessee's TellerScore?

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

Has The First National Bank of Middle Tennessee ever failed?

There is no failure record for FDIC certificate #4952 in the FDIC failed bank list.

How many branches does The First National Bank of Middle Tennessee have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcminnville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Peoples Bank & Trust CompanyBank Manchester, TN93 out of 100, Very strong$168.6M14.7%0.02%vs
Citizens BankBank Carthage, TN92 out of 100, Very strong$832.5M16.3%0.62%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
First National Bank of TennesseeBank Livingston, TN86 out of 100, Very strong$1.4B11.6%0.28%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs