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The First National Bank Of Oneida
Oneida, TN · FDIC Certificate #4958 · Chartered 01/0
Total assets
$367.78M
Total deposits
$327.97M
Total equity
$35.33M
Net loans
$225.98M
Branches (offices)
4
Net income (YTD)
$3.58M
Rank: #2,178 of 4,213 U.S. banks by assets · #66 of 109 in Tennessee. Assets changed 7.4% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.97% |
| Return on equity | 20.90% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 9.61% |
| Tier 1 leverage ratio | 10.98% |
| Uninsured deposits (share of deposits) | 24.2% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 68.9% |
| Real estate loans (share of loans) | 91.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $206.02M | 91.2% | |
| Commercial & industrial | $11.37M | 5.0% | |
| Consumer / individual | $11.81M | 5.2% | |
| Construction & development | $31.95M | 14.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $309.55M | $286.76M | $1.71M | $20.52M |
| Jun 2023 | $315.59M | $290.60M | $2.78M | $22.19M |
| Jun 2024 | $318.12M | $287.94M | $2.71M | $26.07M |
| Jun 2025 | $342.56M | $308.13M | $3.31M | $30.02M |
| Jun 2026 | $367.78M | $327.97M | $3.58M | $35.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $327.97M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $327.97M.
Similar-sized banks
First National Bank Of Griffin ($368.28M) · Flatwater Bank ($367.67M)
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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