First National Bank of Pulaski

206 South First Street
Pulaski, TN 38478

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15572
Date Established 1938
Assets $0.86 billion
Loans $0.54 billion
Deposits $0.76 billion
Capital $0.09 billion

First National Bank of Pulaski is an FDIC insured institution located in Pulaski, TN. It was founded in 1938 and has approximately $0.86 billion in assets. Customers can open an account at one of its 13 branches.

For a more detailed analysis of First National Bank of Pulaski's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for First National Bank Of Pulaski, but see these great savings and CD rates:

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Loan Rates - September 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First National Bank of Pulaski

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Branches

First National Bank of Pulaski branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First National Bank of Pulaski Locations


Financial Details

First National Bank of Pulaski Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Pulaski. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank of Pulaski U.S. Bank Average
5.46% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, First National Bank of Pulaski had $2,047,000 in non-current loans and $3,271,000 in owned real estate. To cover these potential losses it had $91,159,000 in equity and $6,215,000 in loans loss reserves. That gives it a Texas Ratio of 5.46%.

Return on Equity
First National Bank of Pulaski U.S. Bank Average
11.77% 9.47%

First National Bank of Pulaski has a Return on Equity of 11.77% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank of Pulaski U.S. Bank Average
10.58% 12.49%

First National Bank of Pulaski has a Capitalization of 10.58% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank of Pulaski Balance Sheet Analysis

As of March 31, 2019, First National Bank of Pulaski had assets of $861,361,000, loans of $540,857,000, and deposits of $759,457,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.06 billion
Interest-bearing balances $0.05 billion
Total securities $0.21 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.54 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.77 billion
LIABILITIES
Total deposits $0.76 billion
      Interest-bearing deposits $0.59 billion
      Deposits held in domestic offices $0.76 billion
      % insured (estimated) 80.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.77 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in First National Bank of Pulaski’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Tennessee, First National Bank of Pulaski has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.20
Multifamily
Mortgages
1.17
Credit Card Loans 0.00
Consumer Auto Loans 1.24
Small Business Loans 16.36
Construction and Development Loans 13.59
Commercial Real Estate 36.17
Commercial and Industrial Loans 8.53
Farm Loans 2.27

Frequently Asked Questions About First National Bank Of Pulaski

Branches and Savings

Is First National Bank Of Pulaski FDIC insured?

Yes. It is covered under FDIC Certificate #15572.

Why does First National Bank Of Pulaski pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank Of Pulaski CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank Of Pulaski a commercial bank?

Yes

Where are First National Bank Of Pulaski locations?

See branch locations nearby.

Is First National Bank Of Pulaski open on Saturdays?

Is First National Bank Of Pulaski open on Sundays?

What time does First National Bank Of Pulaski open?

What time does First National Bank Of Pulaski close?

Are First National Bank Of Pulaski ATMs Open 24/7?

Do First National Bank Of Pulaski ATMs accept cash deposits?

Can First National Bank Of Pulaski customers use other ATMs?

Do First National Bank Of Pulaski branches have notaries?

Will First National Bank Of Pulaski notarize my document?

What address for First National Bank Of Pulaski should I put for incoming ACH transfers?

Will the First National Bank Of Pulaski branch print checks?

Do First National Bank Of Pulaski checks expire?

Does First National Bank Of Pulaski require US citizenship to open account?

Can First National Bank Of Pulaski close my account?

Does First National Bank Of Pulaski Report to credit bureaus?

Does First National Bank Of Pulaski Use Equifax?

What is First National Bank Of Pulaski's ACH Routing Number?

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Products

Does First National Bank Of Pulaski offer mortgages?

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Does First National Bank Of Pulaski offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Pulaski offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Pulaski offer student loans?

Will First National Bank Of Pulaski cash a check?

Will First National Bank Of Pulaski redeem a savings bond?

Does First National Bank Of Pulaski cash savings bonds?

Will First National Bank Of Pulaski cash money orders?

Can First National Bank Of Pulaski issue a money order?

Does First National Bank Of Pulaski do currency exchange?

Background on The Bank

Who owns First National Bank Of Pulaski?

How long has First National Bank Of Pulaski been around?

Can First National Bank Of Pulaski transfer to other banks?

Does First National Bank Of Pulaski have quick pay?

Does First National Bank Of Pulaski accept rolled coins?

Will First National Bank Of Pulaski accept loose change?

Where is First National Bank Of Pulaski headquarters?

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