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First Vision Bank of Tennessee

$100M-$1B Specialty: Commercial TN FDIC cert 58201

Tullahoma, TN

5 branches across TN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits -4.6% year over year ($357.0M on the books).
  • Delinquency rate 0.08%.
  • Return on assets 1.01%.
  • Efficiency ratio 69.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.07% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

First Vision Bank of Tennessee has 1 strength but faces 4 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

  • + Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 24.5% in tier
  • - Liquidity Overhang: Bottom 45.5% in tier
  • - ROA 0.32% below tier average
  • - Efficiency Ratio 5.33% above tier average
Get updates when First Vision Bank of Tennessee releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $414.2M
-3.6% YoY -2.3% QoQ
+$27.6M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $293.0M
-0.6% YoY +2.4% QoQ
+$34.7M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $357.0M
-4.6% YoY -2.7% QoQ
+$30.3M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 1.01%
+18.8% YoY +4.9% QoQ
-0.32% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 4.00%
+23.5% YoY +2.2% QoQ
+0.01% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 69.81%
-0.4% YoY -0.8% QoQ
+5.33% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.08%
-95.7% YoY -92.8% QoQ
-0.84% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 82.07%
+4.1% YoY +5.2% QoQ
+4.11% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 17.60%
-1.8% YoY -3.9% QoQ
-4.43% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 1.38%
+7.1% YoY -32.8% QoQ
+0.71% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Bottom 13.5% in tier
Tier 1 Capital Ratio ? 17.72%
+1.5% YoY -5.8% QoQ
+1.81% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.17%
-9.6% YoY +127.9% QoQ
-0.39% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
42%

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 17.6%
-0.3pp YoY
-0.7pp QoQ
 -4.5pp 22.1% 18.8% 22.2% 34%
Brokered Deposits n/a n/a 7.9% 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 8.2%
-0.4pp YoY
+0.5pp QoQ
 -3.3pp 11.6% 10.9% 12.5% 42%
CRE 50.1%
+1.5pp YoY
+0.2pp QoQ
 +10.5pp 39.5% 42.4% 41.4% 70%
1-4 Family 35.7%
+0.7pp YoY
-0.7pp QoQ
 +3.1pp 32.6% 39.8% 31.3% 63%
Consumer 2.3%
-0.5pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 4.5% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 17.7%
+0.3pp YoY
-1.1pp QoQ
 -1.1pp 18.8% 14.8% 19.7% 68%
Leverage Ratio 12.4%
+0.9pp YoY
+0.2pp QoQ
 +0.2pp 12.2% 11.4% 12.6% 69%
Total Capital Ratio 19.0%
+0.3pp YoY
-1.1pp QoQ
 -1.0pp 19.9% 15.9% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 71
-1 (-1.4%) YoY
0 QoQ
 +12 58 270 482 72%
Assets per Employee ($) $5.8M
-2.2% YoY
-2.3% QoQ
 -$1.7M $7.5M $7.1M $8.8M 30%
Branch Count 5
0 YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-1.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 19%
Nonaccrual 0.1%
-1.8pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 15%
Allowance Coverage 15.96x
+2294.8% YoY
+1249.0% QoQ
 -8.20x 24.15x 28.97x 20.23x 87%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 8.4%
+0.2pp YoY
+0.3pp QoQ
 -3.8pp 12.2% 10.9% 11.6% 28%
Cost of Funds (YTD) 2.1%
-0.5pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 78%
Net Income ($, YTD) $2.1M
+9.2% YoY
— QoQ
 -$438K $2.6M $16.7M $40.4M 55%

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)

Deposit Outflow

decline
#132 of 535 • Bottom 24.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#339 of 742 • Bottom 45.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.72%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

526
Tier 1 Capital Ratio
capital
Value: 17.72%
Peer Median: 15.91%
#526 of 2643 Top 19.9% in $100M-$1B
632
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.92%
#632 of 2633 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2288
Nonperforming Asset Ratio
credit_quality
Value: 1.38%
Peer Median: 0.67%
#2288 of 2643 Bottom 13.5% in $100M-$1B
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