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First National Bank of Pulaski

$1B-$10B Specialty: Commercial TN FDIC cert 15572

Designations: ✓ Community bank

Pulaski, TN

14 branches across TN · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +2.9% year over year ($1.3B on the books).
  • Delinquency rate 0.25%.
  • Return on assets 1.40%.
  • Efficiency ratio 53.56% vs a 59.73% peer average.
  • Loan-to-deposit ratio 76.26% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

First National Bank of Pulaski has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 6.17% below tier average
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 19.7% in tier
  • - Capital Thin: Bottom 39.6% in tier
  • - Net Interest Margin 0.08% below tier average
Get updates when First National Bank of Pulaski releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.5B
+3.8% YoY -0.5% QoQ
-$1.3B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $1.0B
+3.4% YoY +1.9% QoQ
-$946.1M $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $1.3B
+2.9% YoY -0.8% QoQ
-$985.0M $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.40%
+16.8% YoY +4.7% QoQ
+0.01% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.79%
+5.0% YoY +2.4% QoQ
-0.08% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 53.56%
-1.2% YoY -2.0% QoQ
-6.17% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.25%
+661.1% YoY -8.2% QoQ
-0.62% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 76.26%
+0.4% YoY +2.7% QoQ
-8.78% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 23.83%
-0.2% YoY +3.8% QoQ
+2.56% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.23%
+412.8% YoY -15.9% QoQ
-0.45% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 11.32%
+3.5% YoY +3.7% QoQ
-3.52% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.20%
+3.5% YoY +127.5% QoQ
-0.33% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 23.8%
0.0pp YoY
+0.9pp QoQ
 +2.5pp 21.4% 18.8% 22.2% 67%
Brokered Deposits n/a n/a 9.5% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 5.1%
0.0pp YoY
+0.1pp QoQ
 -8.9pp 14.0% 10.9% 12.5% 18%
CRE 51.8%
-1.8pp YoY
-0.2pp QoQ
 +1.7pp 50.0% 42.4% 41.4% 56%
1-4 Family 32.4%
+0.2pp YoY
-0.3pp QoQ
 +5.9pp 26.4% 39.8% 31.3% 70%
Consumer 2.0%
-0.1pp YoY
+0.1pp QoQ
 -2.7pp 4.7% 4.5% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 14.8% 19.7% n/a
Leverage Ratio 11.3%
+0.4pp YoY
+0.4pp QoQ
 0.0pp 11.3% 11.4% 12.6% 66%
Total Capital Ratio n/a n/a 16.7% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 189
+7 (+3.8%) YoY
+4 (+2.2%) QoQ
 -125 313 270 482 37%
Assets per Employee ($) $7.9M
-0.1% YoY
-2.6% QoQ
 -$2.5M $10.5M $7.1M $8.8M 39%
Branch Count 14
0 YoY
0 QoQ
 -6 20 17 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.7% 1.0% 25%
Allowance Coverage 5.38x
-86.9% YoY
+7.3% QoQ
 -13.33x 18.71x 28.97x 20.23x 80%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 14.4%
+0.9pp YoY
+0.4pp QoQ
 +1.8pp 12.6% 10.9% 11.6% 68%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 2.0% 1.7% 48%
Net Income ($, YTD) $10.5M
+23.1% YoY
— QoQ
 -$8.7M $19.2M $16.7M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#80 of 402 • Bottom 19.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#89 of 222 • Bottom 39.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.32%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

686
Tier 1 Capital Ratio
capital
Value: 11.32%
Peer Median: 14.84%
#686 of 885 Bottom 22.6% in $1B-$10B
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