Headquartered in Oneida, Tennessee, The First National Bank of Oneida is a national bank with $367.8M in total assets and $328.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1904.
Based on its Q2 2026 filing, The First National Bank of Oneida scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 15th. Its strongest component is earnings (99/100; 1.97%), and its lowest is capital cushion (60/100; 10.98%).
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 (82 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 82 |
| Q4 2024 | 81 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 78 |
| Q4 2025 | 75 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.04% |
| Q3 2024 | 11.19% |
| Q4 2024 | 11.13% |
| Q1 2025 | 10.87% |
| Q2 2025 | 10.85% |
| Q3 2025 | 10.92% |
| Q4 2025 | 10.98% |
| Q1 2026 | 10.79% |
| Q2 2026 | 10.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.71% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.64% |
| Q1 2025 | 1.99% |
| Q2 2025 | 1.97% |
| Q3 2025 | 1.94% |
| Q4 2025 | 1.76% |
| Q1 2026 | 1.91% |
| Q2 2026 | 1.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $367.8M | 10.98% | 0.27% | 1.97% | 68.9% |
| Q1 2026 | 82 | $367.9M | 10.79% | 0.18% | 1.91% | 66.8% |
| Q4 2025 | 75 | $357.5M | 10.98% | 0.86% | 1.76% | 66.3% |
| Q3 2025 | 78 | $347.9M | 10.92% | 0.74% | 1.94% | 67.6% |
| Q2 2025 | 82 | $342.6M | 10.85% | 0.30% | 1.97% | 67.1% |
| Q1 2025 | 81 | $340.4M | 10.87% | 0.52% | 1.99% | 64.6% |
| Q4 2024 | 81 | $327.5M | 11.13% | 0.27% | 1.64% | 67.0% |
| Q3 2024 | 82 | $321.6M | 11.19% | 0.19% | 1.70% | 67.6% |
| Q2 2024 | 81 | $318.1M | 11.04% | 0.25% | 1.71% | 65.6% |
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tower Community BankBank Jasper, TN | 70 out of 100, Strong | $375.4M | 10.4% | 0.43% | vs |
| Community BankBank Lexington, TN | 64 out of 100, Moderate | $357.5M | 10.6% | 0.71% | vs |
| Citizens Community BankBank Winchester, TN | 90 out of 100, Very strong | $352.6M | 14.6% | 0.38% | vs |
| RockPointBank, National AssociationBank Chattanooga, TN | 68 out of 100, Moderate | $384.5M | 12.1% | 0.13% | vs |
| Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN | 80 out of 100, Strong | $386.0M | 11.9% | 0.00% | vs |
| Volunteer Federal Savings BankBank Madisonville, TN | 75 out of 100, Strong | $397.1M | 11.2% | 0.34% | vs |
Deposit insurance
Is my money safe at The First National Bank of Oneida?
Yes. The First National Bank of Oneida is an FDIC-insured institution (FDIC certificate #4958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.2% of deposits ($79.5M) 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 10.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.96% (benchmark: 10%).
4 locations
Branches
The First National Bank of Oneida lists 4 offices in 4 cities. Most locations:
- Helenwood, TN (1)
- La Follette, TN (1)
- Oneida, TN (1)
- Winfield, TN (1)
Identity & history
Profile
- Legal name
- The First National Bank of Oneida
- Type
- National bank
- FDIC certificate #
- 4958
- RSSD ID
- 966731
- Primary regulator
- OCC
- Established
- January 1, 1904
- Headquarters
- 19260 Alberta St, Oneida, TN 37841
- Website
- www.fnboneida.com
- Employees
- 54
Quick answers
The First National Bank of Oneida: common questions
Is The First National Bank of Oneida FDIC insured?
Yes. The First National Bank of Oneida is an FDIC-insured institution (FDIC certificate #4958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Oneida's TellerScore?
82 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 The First National Bank of Oneida ever failed?
There is no failure record for FDIC certificate #4958 in the FDIC failed bank list.
How many branches does The First National Bank of Oneida have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oneida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Peoples Bank of the SouthBank La Follette, TN | 76 out of 100, Strong | $232.0M | 12.4% | 0.85% | vs |
| Citizens BankBank Elizabethton, TN | 75 out of 100, Strong | $1.4B | 12.6% | 1.14% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |