Side-by-side · Q2 2026 data
The First National Bank of Middle Tennessee vs Ascend Federal Credit Union
Bank
The First National Bank of Middle Tennessee
Mcminnville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Middle Tennessee | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 50 | 96 (stronger) |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 61 | 68 (stronger) |
| Funding & liquidity | 42 | 70 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 31st | 92nd |
| Total assets | $952.4M | $4.8B |
| Deposits / shares | $827.7M | $3.9B |
| Capital ratio | 10.03% | 14.55% (stronger) |
| Problem loans | 0.22% (stronger) | 0.49% |
| Net charge-offs | 0.24% (stronger) | 0.44% |
| Return on assets | 1.04% | 1.20% (stronger) |
| Loans ÷ deposits | 94.7% | 90.5% (stronger) |
| Uninsured deposits | 36.3% | 10.1% (stronger) |
| Offices | 9 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Ascend Federal Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Middle Tennessee leads on 2 and Ascend Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.