The First National Bank of Oneida
Oneida, TN
IDRSSD: 966731
Total Assets
$347.94M
Latest filing
Total Deposits
$310.52M
Latest filing
Net Interest Margin
4.54%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Oneida
19260 Alberta St
Oneida, TN 37841
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1904FDIC Certificate 3300
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Oneida (Main) | 19260 Alberta St | Oneida, TN |
| CENTRAL BRANCH | 250 National Dr | Helenwood, TN |
| WINFIELD BRANCH | 24907 Scott Hwy | Winfield, TN |
| LAFOLLETTE BRANCH | 2408 Jacksboro Pike | La Follette, TN |
Showing 3 of 3
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 | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37841 |
| State and County Number | 47151 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | N/A |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnboneida.com |
| Data Updated | 11/14/2025 |
| CERT | 4958 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $347.94M |
| Total Deposits | $310.52M |
| Total Liabilities | $315.17M |
| Total Equity Capital | $32.77M |
| Net Income | $1.64M |
| Net Loans and Leases | $209.94M |
| Assets Per Employee ($Millions) | $6.56M |
| Bank Premises and Fixed Assets | $6.86M |
| Cash and Balances due from Depository Institutions | $15.83M |
| Deposits Held in Domestic Offices | $310.52M |
Key Performance Ratios
| Return on Assets (ROA) | 1.9% |
| Return on Equity (ROE) | 20.87% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 53.39% |
| Tier 1 Risk-Based Capital Ratio | 18.514% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.419% |
| Earning Assets to total Assets | 94.44% |
Income and Expense
| Total Interest Income | $5.24M |
| Total Noninterest Income | $566.00k |
| Total Interest Expense | $1.56M |
| Total Noninterest Expense | $2.27M |
| Net Interest Income | $3.68M |
| Pre-tax Net Operating Income | $1.90M |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $13.73M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.65M |
| Total Liabilities and Capital | $347.94M |
Securities
| Securities | $93.35M |
| Available-for-sale debt securities | $92.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.16M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Oneida?
$347.94M as of the latest filing.
How much are The First National Bank of Oneida's total deposits?
$310.52M in total deposits.
Where is The First National Bank of Oneida located?
Oneida, TN.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
1.9%.
How much are total loans and leases?
$209.94M (latest filing).
What is the total interest income (latest filing)?
$5.24M.