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First Peoples Bank Of Tennessee
Jefferson City, TN · FDIC Certificate #21874 · Chartered 01/0
Total assets
$219.54M
Total deposits
$188.34M
Total equity
$21.89M
Net loans
$156.87M
Branches (offices)
5
Net income (YTD)
$1.21M
Rank: #2,866 of 4,213 U.S. banks by assets · #88 of 109 in Tennessee. Assets changed 3.4% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.20% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 9.97% |
| Tier 1 leverage ratio | 11.41% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | -1.10% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 84.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $132.46M | 84.4% | |
| Commercial & industrial | $17.16M | 10.9% | |
| Consumer / individual | $6.11M | 3.9% | |
| Construction & development | $15.31M | 9.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $214.71M | $194.90M | $486.00K | $14.76M |
| Jun 2023 | $201.77M | $172.27M | $462.00K | $15.04M |
| Jun 2024 | $210.96M | $187.38M | $303.00K | $16.66M |
| Jun 2025 | $212.28M | $184.68M | $714.00K | $19.42M |
| Jun 2026 | $219.54M | $188.34M | $1.21M | $21.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $188.34M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $188.34M.
Similar-sized banks
Merchants State Bank ($219.57M) · United Citizens Bank & Trust Company ($219.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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