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Overview / Commentary
214 East Main Street
Livingston, TN 38570

First National Bank of Tennessee is headquartered in Livingston and is the 21st largest bank in the state of Tennessee. It is also the 962nd largest bank in the nation. It was established in 1965 and as of June of 2014, it had grown to 134 employees at 7 locations. First National Bank of Tennessee has a A health rating.

Reviews (1)

Customer Service At The Branch In Fairfield Glade

I have been banking with First National for about 4 years now. It is always nice, when you walk into a bank, and they know you by name. But Pam goes above and beyond, when it comes to customer service! She is always on top of things, and takes extra special care of customers who may need a little extra help. She is always pleasant and happy, and takes excellent care of me.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First National Bank of Tennessee had $4.97 million in non-current loans and owned real-estate with $75.34 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Tennessee a Texas Ratio of 6.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First National Bank of Tennessee experienced no significant changes from 6.89% as of June 30, 2013 to 6.60% as of June 30, 2014, resulting in a positive change of 4.18%.This indicates that the balance sheet and financial strength for First National Bank of Tennessee has had no significant changes in recent periods.

Deposit Growth


In the past year, First National Bank of Tennessee has increased its total deposits by $19.94 million, resulting in 3.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Tennessee has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Tennessee has $705.05 million in assets with $75.34 million in equity, resulting in a capitalization level of 10.69%, which is above average.

Institution Statistics

FDIC Certificate #19502
Year Established1965
Primary RegulatorOCC
Assets and Liabilities
Assets$705.05 million
Loans$444.80 million
Deposits$625.24 million
Equity Capital$67.41 million
Loan Loss Allowance$7.94 million
Unbacked Noncurrent Loans$4.39 million
Real Estate Owned$584,000
Historic Data - June 2013
Assets$682.33 million
Equity Capital$64.38 million
Loan Loss Allowance$8.78 million
Unbacked Noncurrent Loans$4.39 million
Real Estate Owned$11,000
Profit Margin - Quarterly
Return on Assets1.04%
Return on Equity10.84%
Interest Income$11.73 million

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First National Bank of Tennessee Locations
West Main Street Branch1115 West Main StreetLivingston, TN 38570
Sparta Branch130 Sam Walton DriveSparta, TN 38583
Crossville Branch1386 North Main StreetCrossville, TN 38555
First National Bank Of Tennessee214 East Main StreetLivingston, TN 38570
Algood Branch330 West Main StreetCookeville, TN 38506
Cookeville Branch412 South Jefferson AvenueCookeville, TN 38501
Fairfield Glade Branch5011 Peavine RdCrossville, TN 38571