Side-by-side · Q2 2026 data
One Bank of Tennessee vs First National Bank of Tennessee
Metric by metric
| Measure | One Bank of Tennessee | First National Bank of Tennessee |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 41 | 66 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 88th | 97th |
| Total assets | $1.7B | $1.4B |
| Deposits / shares | $1.5B | $1.2B |
| Capital ratio | 9.09% | 11.55% (stronger) |
| Problem loans | 0.01% (stronger) | 0.28% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.16% (stronger) | 2.11% |
| Loans ÷ deposits | 73.5% | 58.6% (stronger) |
| Uninsured deposits | 20.9% (stronger) | 23.1% |
| Offices | 19 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
First National Bank of Tennessee has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), One Bank of Tennessee leads on 3 and First National Bank of Tennessee on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Crossville, TN
- Cookeville, TN
- Livingston, TN
- Sparta, TN