C
First National Bank of Middle Tennessee
Rating Date
October 2025
Risk Based
Capital Ratio
16.50
Leverage
Ratio
10.24
Return On
Assets
0.70%
Total
Assets
910.25M
Capital
88.83M
Total
Deposits
801.30M
Net
Income
3.17M
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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 8.90
Liquidity Index 0.90
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 5.14%
5-Year Asset Growth 13.50%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.85%
Non-Performing Loans to Capital 8.04%
Non-Performing Loans to Loans 0.98%
Balance Sheet First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Total Assets 910.25M
Total Deposits 801.30M
Capital and Reserves First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Capital 88.83M
Leverage Ratio 10.24
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 16.50
Liquidity First National Bank of Middle Tennessee
McMinnville, TN 		Click to
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Hot Money Ratio 22.55%
Liquidity Ratio 16.00%
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 3.17M
Net Interest Spread 3.05%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 74.48%
Return on Assets 0.70%
Return on Equity 7.27%