# FIRST NATIONAL BANK
LENOIR CITY, TN · FDIC certificate 4947 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $420.5M | |
| Deposits | $358.8M | |
| Loans and leases | $237.6M | |
| Total equity | $59.5M | |
| Loans / deposits | 66.20% (p22 of band) | 82.05% |
| Liquid assets / assets | 32.61% (p67 of band) | |
| Uninsured deposits / deposits | 23.00% (p63 of band) | 19.19% |
| Brokered deposits | 1.79% | |
| Wholesale funding | 1.79% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.78% (p63 of band) | 10.09% |
| Unrealized securities loss / equity | 1.47% (p71 of band) | 0.40% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 0.18% (p5 of band) | 0.91% |
| Net interest margin | 1.06% (p1 of band) | 3.56% |
| Efficiency ratio | 61.50% (p28 of band) | |
| Noncurrent loans | 0.32% (p23 of band) | 0.80% |
| Net charge-offs (annualized) | 0.03% (p54 of band) | |
| Reserve coverage of noncurrent | 2.53% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 57.21% (p70 of band) | |
| Auto loans | $2.5M (1.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling, losing money, expense ratio p90 | reserve under noncurrent |
| 2011-12 | 1 |  | capital falling, expense ratio p90 |
| 2012-03 | 0 |  | losing money |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 2 | NIM <2.5%, reserve under noncurrent | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-28 [Ohio community bank makes deal to top $10B, enter Tennessee - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUDQwdW1DNXBmYTVqSlFkQWpXZ2RYc3BrX3RTWkZ6a2gyVzd1bHpQelFreEdoSmctTWhxbFVhMk54djNxcFJpZ3pPTlZVMEh6eDU4Y0RDdHpkRnY3RjdTZGZ4d2laRV82OF9FcFdKTzIyUUFJd0RURkFycGtSZUV6cmVlVDZoU2Fyb0lQS2c4RnYtR2l0YldIcQ?oc=5) · American Banker
- 2021-05-05 [First National Bank of Paragould acquires Tennessee bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMilAFBVV95cUxOR1duaXZjV2R2Qm1oZ3BpQmlTRFBEYnpDRVBfWVVaSU1ud3RUYk10b0RZQTFSRjJrMThPbkh2eGp0UnlXZXJYb2YzNGF5LTJzV0pXMDk3cVFIU0tNMXNPR05yaDlCVXdGRWJFSXh1Wk94SWVuemUyM2RQZFVWa1pZUXB0am9iQ08zcDM4Yi1YZ0tsNWNs?oc=5) · Talk Business &amp; Politics
- 2024-01-31 [First National Bank of Middle Tennessee to open first location in Williamson County - Williamson Herald](https://news.google.com/rss/articles/CBMikgJBVV95cUxNNlF6UWtvSkpxRFpvaEI4VzJRdTAySEpkY1FNcUhPYjIzODZVYVl1V3lfV01FdlhJNFB1M1otNWROLTdkaFpMUWFmUkdJYXZHTEg3VGhTTFNJMGJmQ2tkdEpHMU9naWUtSnp0bHJlSEZvSjdyMGJyRzlvaFJGOGZjejcwSzZsS1RCRE5fLTdRUFZOd2VtXy1xMmlJU2ZIVE1fd2hILUNZWDFrRWVOdDNTMGVUTndFcEU4Q3RJTXBLdDdNbGZjZHQtYzhfYTJIVU9OYWdiY1lLbS1XaHZuaUZsNE01bVN0NGoxTUNRVTBSVkUxNFNjV1BVSDlvbWpXQ3pJemtQV181RXRZcmk2M0g4VjJ3?oc=5) · Williamson Herald
- 2021-05-05 [First National Bank expanding with acquisition of Citizens Bank in Tennessee - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMimgFBVV95cUxONXUwUVVwLTZrNUM5T2o1M3ZGNGhmdlUtVlBINHJSU3RfbERQUnBMUnNmbzZvVnJ2bVdTTnVubXpBOFA2czROYkpKbVo4X1pHMXdNbEo0YjhhMmJkNXI0SmFOd2doaUpwZDRhRHN5aWlJVHlMN0NXODlmUHJGRndPbWV5Qk1KbmEzM2tPVndnRVRBUWtwU19CTndB0gGuAUFVX3lxTE1jLW9XLV9EeGZmVlI2eEtPOHZ1SGhNVURUdUU2cFB2M0NJOU5jLXljNWxuMVZ5QVFKdDFlNE95cmFHYTI0cURma0R3aXJZY1I2SmRYdGoxMXBXbXVqczUyM2JRQXh3Wjh5aTMySUhCNG83TkQ0NDNUT0U0b1hjdW1tblpjWUVEVURFMFZ3aGlfWUFucmNSVF9WWlpNYXNDWDRHRFhacW5USEhLR1FzQQ?oc=5) · K8 News | Jonesboro, Arkansas
- 2021-05-05 [Paragould’s First National Bank Moving into Nashville Market - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaURaM2o1WGVqWG1FWjNGSHVvcU9vUThZaWVqXzZYYVlYbV9WR0VEamJhcXMtZ3NEYjZoVHJ0ZkVfakV5T2lkM0RDVXdWTXg2WUxzV3B3ZjcwbV9QSGlidVREbFpGUjRQLUg3bXpqU0p4VEJyUmQtUDJXY0RfZXpEZTQwMVhldXotb3FIWWN3RUJIRVlRb2c?oc=5) · Arkansas Money &amp; Politics
- 2017-06-29 [First National Bank of Middle Tennessee opens new branch in Murfreesboro - WGNS Radio](https://news.google.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?oc=5) · WGNS Radio
- 2025-07-02 [Groundbreaking today: Bank putting roots down in Cannon County - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZDJsRjF2elBxbHZfanMzNjl5UHJ5VHdYbXFLQl9fQ1M2UzM4bGVPY0FMOHR6cGlab3E0ZDdaUUFIZHhoNUkteVpuN0p6WmFaYnZQZ2duWUFLaXAxcGhDbHhzWlNfV1VrcVN0QjZhc3BmVDc0R0JZZF9pWXAtdXhRUi1yWnNiTHB6bVpEa2RfZldQeGs?oc=5) · Upper Cumberland Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4947 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "4947", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide