First National Bank of Tennessee
Livingston, TN
IDRSSD: 283737
Total Assets
$1.35B
Latest filing
Total Deposits
$1.19B
Latest filing
Net Interest Margin
4.27%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Tennessee
214 E Main St
Livingston, TN 38570
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/25/1965FDIC Certificate 13302
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Tennessee (Main) | 214 E Main St | Livingston, TN |
| WEST MAIN STREET BRANCH | 1115 W Main St | Livingston, TN |
| COOKEVILLE BRANCH | 412 S Jefferson Ave | Cookeville, TN |
| CROSSVILLE BRANCH | 1386 N Main St | Crossville, TN |
| SPARTA BRANCH | 130 Sam Walton Dr | Sparta, TN |
| ALGOOD BRANCH | 330 W Main St | Cookeville, TN |
| FAIRFIELD GLADE BRANCH | 5011 Peavine Rd | Crossville, TN |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/25/1965 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38570 |
| State and County Number | 47133 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Cookeville, TN |
Operational Info
| Number of Employees | 157 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/25/1965 |
| Primary Insurance Agency | DIF |
| Website | www.fnbotn.com |
| Data Updated | 01/30/2026 |
| CERT | 19502 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.35B |
| Total Deposits | $1.19B |
| Total Liabilities | $1.21B |
| Total Equity Capital | $146.44M |
| Net Income | $6.41M |
| Net Loans and Leases | $707.26M |
| Assets Per Employee ($Millions) | $8.8M |
| Bank Premises and Fixed Assets | $14.92M |
| Cash and Balances due from Depository Institutions | $133.16M |
| Deposits Held in Domestic Offices | $1.19B |
Key Performance Ratios
| Return on Assets (ROA) | 1.9% |
| Return on Equity (ROE) | 16.47% |
| Net Interest Margin | 4.27% |
| Efficiency Ratio | 58.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.81% |
| Earning Assets to total Assets | 96.94% |
Income and Expense
| Total Interest Income | $17.99M |
| Total Noninterest Income | $1.48M |
| Total Interest Expense | $4.01M |
| Total Noninterest Expense | $9.04M |
| Net Interest Income | $13.98M |
| Pre-tax Net Operating Income | $6.41M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $64.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.11M |
| Total Liabilities and Capital | $1.35B |
Securities
| Securities | $489.92M |
| Available-for-sale debt securities | $288.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $201.58M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Tennessee?
$1.35B as of the latest filing.
How much are First National Bank of Tennessee's total deposits?
$1.19B in total deposits.
Where is First National Bank of Tennessee located?
Livingston, TN.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
7.
When was it established?
10/25/1965.
What is the Return on Assets (ROA)?
1.9%.
How much are total loans and leases?
$707.26M (latest filing).
What is the total interest income (latest filing)?
$17.99M.