FirstBank
Nashville, Tennessee, Davidson County
$16.8B in total assets, the 121st largest of 4,309 US banks and 3rd of 109 headquartered in Tennessee.
- FDIC certificate
- 8663
- Established
- 1906
- Owned by
- Fb Financial Corp
- Primary regulator
- FED
- Website
- www.firstbankonline.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $16.8B | 33% | $22.5B | |
| Loans | $13.1B | 39% | $14.5B | |
| Deposits | $14.4B | 36% | $18.4B | |
| Return on assets | 1.30% | 50% | 1.29% | |
| Net interest margin | 3.95% | 73% | 3.61% | |
| Efficiency ratio | 51.7% | 39% | 55.2% | |
| Equity to assets | 11.75% | 56% | 11.57% | |
| Loans to deposits | 91% | 68% | 87% |
Growth
Total assets grew 7.1% a year over the last 5 years and 19.1% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2025 | Southern States Bank Anniston, AL | $2.9B |
| Aug 2020 | Franklin Synergy Bank Franklin, TN | $3.8B |
| Feb 2020 | The Farmers National Bank of Scottsville Scottsville, KY | $255M |
| Jul 2017 | Clayton Bank and Trust Knoxville, TN | $880M |
| Jul 2017 | American City Bank Tullahoma, TN | $308M |
| Sep 2015 | Northwest Georgia Bank Ringgold, GA | $286M |
| Jun 2003 | Bank of Murfreesboro Murfreesboro, TN | $152M |
| Jan 2001 | Bank of Huntingdon Huntingdon, TN | $160M |
| Aug 1999 | First State Bank Linden, TN | $42M |
| Feb 1996 | The Bank of West Tennessee Lexington, TN | $35M |
Where they operate
99 branches in 50 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Davidson County, TN | $2.6B | 3.9% | 6 of 35 |
| Williamson County, TN | $1.8B | 12.6% | 2 of 35 |
| Rutherford County, TN | $812M | 10.0% | 3 of 27 |
| Knox County, TN | $713M | 3.8% | 7 of 31 |
| Hamilton County, TN | $693M | 5.5% | 6 of 23 |
| Jefferson County, AL | $667M | 1.5% | 12 of 39 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 46 branches since 2016 (53 to 99, +86.8%). 21 opened, 45 acquired, 20 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 53 | |||
| 2016 | Opened NashvilleClosed 3 in 2 states | 1 | 3 | −2 | 51 |
| 2017 | Acquired Clayton Bank and Trust and American City BankClosed Knoxville | 14 | 1 | +13 | 64 |
| 2019 | Opened 13 in 3 statesClosed Chattanooga and Ooltewah | 13 | 2 | +11 | 75 |
| 2020 | Acquired The Farmers National Bank of Scottsville and Franklin Synergy BankOpened Florence, closed Brentwood and Florence | 18 | 2 | +16 | 91 |
| 2021 | Opened Birmingham | 1 | 0 | +1 | 92 |
| 2022 | Opened Huntsville | 1 | 0 | +1 | 93 |
| 2023 | Opened PowellClosed Chattanooga and Knoxville | 1 | 2 | −1 | 92 |
| 2024 | Opened BirminghamClosed 8 in 2 states | 2 | 8 | −6 | 86 |
| 2025 | Acquired Southern States BankOpened Tuscaloosa, closed Bartlett and Birmingham | 15 | 2 | +13 | 99 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 25% | |
| 1-4 family residential | 22% | 21% | |
| Business (C&I) | 17% | 17% | |
| Construction and land | 9% | 6% | |
| Multifamily | 6% | 8% | |
| Consumer | 4% | 10% | |
| Farmland | 1% | 1% | |
| Other | 1% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 62% | |
| Time deposits | 23% | 18% | |
| Noninterest-bearing | 19% | 20% |
Brokered deposits are 4.8% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.39% | 0.63% |
| Net charge-offs, annualized | 0.09% | 0.14% |
| Reserves to loans | 1.49% | 1.14% |
| Leverage ratio | 10.35% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Davidson County, TN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/firstbank-nashville-tn