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First National Bank Of Pulaski
Pulaski, TN · FDIC Certificate #15572 · Chartered 01/1
Total assets
$1.50B
Total deposits
$1.33B
Total equity
$150.67M
Net loans
$1.02B
Branches (offices)
13
Net income (YTD)
$10.52M
Rank: #741 of 4,213 U.S. banks by assets · #19 of 109 in Tennessee. Assets changed 3.8% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 14.38% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 10.05% |
| Tier 1 leverage ratio | 11.32% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 76.3% |
| Real estate loans (share of loans) | 90.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $920.34M | 90.5% | |
| Commercial & industrial | $51.63M | 5.1% | |
| Consumer / individual | $20.64M | 2.0% | |
| Construction & development | $146.40M | 14.4% | |
| Agricultural | $15.49M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.20B | $1.10B | $6.10M | $91.67M |
| Jun 2023 | $1.31B | $1.20B | $8.73M | $95.21M |
| Jun 2024 | $1.39B | $1.26B | $7.59M | $113.61M |
| Jun 2025 | $1.45B | $1.30B | $8.54M | $133.52M |
| Jun 2026 | $1.50B | $1.33B | $10.52M | $150.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $854.25M | 8 |
| Alabama | $479.59M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.33B.
Similar-sized banks
Peoples State Bank ($1.50B) · Ascend Bank ($1.49B)
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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