Side-by-side · Q2 2026 data
The First National Bank of Middle Tennessee vs Tennessee State Bank
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 | Tennessee State Bank |
|---|---|---|
| TellerScore | 66 | 72 (stronger) |
| Capital cushion | 50 (stronger) | 43 |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 61 | 68 (stronger) |
| Funding & liquidity | 42 | 76 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 31st | 50th |
| Total assets | $952.4M | $990.8M |
| Deposits / shares | $827.7M | $885.0M |
| Capital ratio | 10.03% (stronger) | 9.31% |
| Problem loans | 0.22% | 0.11% (stronger) |
| Net charge-offs | 0.24% | 0.04% (stronger) |
| Return on assets | 1.04% | 1.21% (stronger) |
| Loans ÷ deposits | 94.7% | 80.2% (stronger) |
| Uninsured deposits | 36.3% | 18.7% (stronger) |
| Offices | 9 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee State Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Middle Tennessee leads on 1 and Tennessee State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.