# FIRSTBANK
NASHVILLE, TN · FDIC certificate 8663 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $16.76B | |
| Deposits | $14.36B | |
| Loans and leases | $13.06B | |
| Total equity | $1.97B | |
| Loans / deposits | 89.59% (p67 of band) | 85.78% |
| Liquid assets / assets | 15.75% (p17 of band) | |
| Uninsured deposits / deposits | 42.74% (p64 of band) | 38.39% |
| Brokered deposits | 4.09% | |
| Wholesale funding | 5.47% (p39 of band) | |
| FHLB advances / assets | 0.75% | |
| Tier 1 leverage | 10.35% (p57 of band) | 10.17% |
| Unrealized securities loss / equity | -2.94% (p76 of band) | -7.43% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.46% (p69 of band) | 1.24% |
| Net interest margin | 3.95% (p74 of band) | 3.57% |
| Efficiency ratio | 51.73% (p42 of band) | |
| Noncurrent loans | 1.40% (p85 of band) | 0.66% |
| Net charge-offs (annualized) | 0.07% (p46 of band) | |
| Reserve coverage of noncurrent | 106.16% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 58.80% (p84 of band) | |
| Auto loans | $26.8M (0.20% of loans; DQ 2.06%, NCO 0.00%) | |
| Loans to nondepository financials | $65.3M (3% of equity) (p37 of band) | |
| Deposits YoY | 25.5% | |
| Employees | 1635 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 1 |  | capital falling, charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2017-12 | 1 |  | expense ratio p90 |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | expense ratio p90 |  |
| 2020-12 | 1 | uninsured deposits >50% | expense ratio p90 |
| 2021-03 | 1 | capital falling | uninsured deposits >50% |
| 2021-06 | 2 | uninsured deposits >50% |  |
| 2021-09 | 0 |  | capital falling, uninsured deposits >50% |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | uninsured deposits >50% |  |
| 2022-09 | 1 |  | uninsured deposits >50% |
| 2022-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2023-03 | 3 | capital falling | run vulnerability |
| 2023-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | construction >100% equity |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-08-21 [Bank OZK, FirstBank back $290m project on University of Tennessee campus - Green Street News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUmVlOWJENzFndEpvMzNDSlFXNXF2OENLcWJ5d1I0OGF5NXR6WE5YMVlOOGdWR3hUbE1RTGFTV3lIRlROYmdiQm8xdWxjZXQtal80T09JdHBrQlF5WHAzUUNJRy1IQk1CMldFOFJfUUNaNFdoZ0MxOU9JWGlabFBfYUg2TVZIeWdpd2pMckprZmN2WGU1alFIVl9IbUdhUGU4QnFUYmhheGxqMWM?oc=5) · Green Street News
- 2026-03-26 [Events at FirstBank Amphitheater: Upcoming Shows - Rutherford Source](https://news.google.com/rss/articles/CBMib0FVX3lxTE9POE84VGo4eGVLdWZzVWNfVEVaQjhDS0JEV3dadUp1WjJWM2YxTUxCcnlEdk9zNDc5X0lCWElCT2J1aW04VzlwWWh2aV9XcnlWaUdrbnhqRkFkd0lIcjZxNFpGV2ttMXg2X0cyZFBGcw?oc=5) · Rutherford Source
- 2025-09-08 [PNC to acquire FirstBank in $4.1B deal - Banking Dive](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVFFWSnN5NnBGeXJ1QmZvTC1XTDFPMlhUVzhhaVVsY2Z1UDdxc2xBcGpaT19JLVRCNTh2QmphZklHbHYtUVk5alNldll3SmxlbHFLcW1SSUw1RFpPR09lRy1USzNwY1kyTkR2UGtjbkstMEJtdEoybjQ3MWd3ZndZUHhweWJUWklTUjVqdVN3?oc=5) · Banking Dive
- 2025-06-25 [New Home, Same Mission: FirstBank Opens Doors On Franklin Street - Huntsville Business Journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPaXFzUm5WNFZjUXRvSm8wbG1FTjVGWnU5LXpjZ0VsMTZmdjdyc3hoYXdZbkpoTXdHS0t0bFViem9PM1NEMzdITGtIWWd4MXlQNkRqZl9NRjFSR1lGNUFjeWZWMmNHd0Y4bFZ1YkYwVTNpT0FfQUZiZ2hSQ1FwVmR0WEpmZVZxUk5jNDVBZWVIZ3IyQmQtc0ZNM1NWeU4xTzZWVUt4anVkaEV1QUcySkVpTFNXLWRoRFhF?oc=5) · Huntsville Business Journal
- 2022-06-17 [FirstBank Is a Big Bank With the Soul of a Small Town - Livability.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPb3VpNFpiWWR6cWQtdjRMbzA4QmUweFJFd0ZDUDBjcXFaS2tWcHBHOVBycVlJM0lDMmFoUnVlakF0Wl9xdzhKU0FQdWhNVFFOZ1BVY2ZkYlR3YnZjNWFLaWJzUmp5eURraUlPd3BIWExKRXpMQ2N2UTI4ZFZxOWplVEVXMVljTS0yLTg2WnlIUXJtXzFRdlRwWGIyUjlHc0trNHJhLU1KMTNOM09SYzRFWlR4X3VyQmRkYWVnUG5ETQ?oc=5) · Livability.com
- 2025-06-24 [FirstBank to acquire Southern States Bank in merger - Knox TN Today](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSXJqczZZcmg5UVhhLW9WQTZGMVVIcDZkRmhFbmwyMHkwMVM5b0NMekNQbjlOeTk3LUQxeEhkak84TGxZdUY1UEZpU2FnVFdfVWZoTDlqcldZVjAzaGxDVUhxbWVSb0l5SzJ2Nnh4eGtMNFdhSmhtV1Vnc3RvdHNWbms4QnRaM0k?oc=5) · Knox TN Today
- 2025-02-18 [TML, TMBF celebrate new partnership with FirstBank - Tennessee Municipal League](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTVRHLUg5eElxei1nR2xMQ0Y0Qkk0eWRRWkJ6VFRTYXhGb0NfTTVMT3lHWkNfQU9TanIyVDVmNmE0SERlUVNYQ0lyS2V2VTBLM0dBOFB4S2p6T0V1VnRjbW1ER2lvWDdvMFhaVmRMWm5aek5WZ3RrOF9DakduUnBjMHhB?oc=5) · Tennessee Municipal League
- 2019-11-08 [FirstBank Launches Sponsorship of Chattanooga Athletics - University of Tennessee at Chattanooga Athletics](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNclRoaC1oVllBeXhiVlpWdlJPTDRWRUF0cENmeTlDdkRkb1pFNTFPcjVGTEpRV2I4ckdzYmZ3TllpX04yYUZtd1Uya3JCUkZYUXJ2TEQzdndGR0ZOMi1ENjV4SGhZajcxUnB5NDBLQVBQNGxpVk8wRDN4MDFfVGNVc09vMVl2cUNwbFA4OFZCenkxLXRHSWt3Xzl6YW1wT0JaNlJoS1hCRnUxOS1VRDBYVk0wZjdET3otMHVFcEdUejI?oc=5) · University of Tennessee at Chattanooga Athletics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8663 (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/23.json (key "8663", 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