C
First National Bank of Middle Tennessee
Rating Date
March 2026
Risk Based
Capital Ratio
16.18
Leverage
Ratio
9.86
Return On
Assets
0.78%
Total
Assets
937.67M
Capital
88.78M
Total
Deposits
827.76M
Net
Income
7.11M
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Weiss Ratings First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Rating C
Asset Quality Index 5.70
Capitalization Index 8.30
Liquidity Index 0.90
Profitability Index 3.90
Stability Index 6.60
Company Info First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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FDIC Number 4952
Phone Number (931) 473-4402
Website www.fnbmt.com
Asset Quality First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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1-Year Asset Growth 4.79%
5-Year Asset Growth 12.32%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.50%
Non-Performing Loans to Capital 8.11%
Non-Performing Loans to Loans 0.65%
Balance Sheet First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Total Assets 937.67M
Total Deposits 827.76M
Capital and Reserves First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Capital 88.78M
Leverage Ratio 9.86
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 16.18
Liquidity First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Hot Money Ratio 24.31%
Liquidity Ratio 15.67%
Profitability First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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5-Year Return on Average Assets 1.04%
Net Income 7.11M
Net Interest Spread 3.19%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 72.46%
Return on Assets 0.78%
Return on Equity 8.02%