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The First National Bank Of Middle Tennessee
Mcminnville, TN · FDIC Certificate #4952 · Chartered 10/3
Total assets
$952.38M
Total deposits
$827.75M
Total equity
$93.23M
Net loans
$783.50M
Branches (offices)
11
Net income (YTD)
$4.89M
Rank: #1,084 of 4,213 U.S. banks by assets · #33 of 109 in Tennessee. Assets changed 4.6% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 10.75% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 9.79% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 36.3% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 91.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $714.81M | 91.2% | |
| Commercial & industrial | $70.75M | 9.0% | |
| Consumer / individual | $2.98M | 0.4% | |
| Construction & development | $80.03M | 10.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $783.79M | $675.75M | $3.25M | $73.33M |
| Jun 2023 | $853.81M | $723.35M | $3.61M | $80.07M |
| Jun 2024 | $865.78M | $754.68M | $2.54M | $86.28M |
| Jun 2025 | $910.25M | $801.30M | $3.17M | $88.83M |
| Jun 2026 | $952.38M | $827.75M | $4.89M | $93.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $827.75M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $827.75M.
Similar-sized banks
Mainstreet Community Bank Of Florida ($953.36M) · First Bank & Trust Co. ($952.06M)
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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