C
First National Bank of Middle Tennessee
Rating Date
October 2025
Risk Based
Capital Ratio
16.89
Leverage
Ratio
10.30
Return On
Assets
0.76%
Total
Assets
927.48M
Capital
91.41M
Total
Deposits
815.47M
Net
Income
5.15M
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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 9.00
Liquidity Index 0.80
Profitability Index 3.80
Stability Index 6.70
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 7.47%
5-Year Asset Growth 13.50%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.81%
Non-Performing Loans to Capital 8.21%
Non-Performing Loans to Loans 1.03%
Balance Sheet First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Total Assets 927.48M
Total Deposits 815.47M
Capital and Reserves First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Capital 91.41M
Leverage Ratio 10.30
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 16.89
Liquidity First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Hot Money Ratio 23.84%
Liquidity Ratio 16.37%
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 5.15M
Net Interest Spread 3.11%
Operating Profit to Average Assets 0.93%
Overhead Efficiency Ratio 73.38%
Return on Assets 0.76%
Return on Equity 7.78%