211 Commerce Street, Suite 300
Nashville, TN 37201
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Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.35% 1.01% →
2-Year CD 0.50% 0.95% →
5-Year CD 0.65% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

FirstBank is an FDIC insured institution located in Nashville, TN. It was founded in 1906 and has approximately $6.65 billion in assets. Customers can open an account at one of its 85 branches.

FDIC Insured Yes
FDIC Certificate # 8663
Date Established 1906
Assets $ 6.65 billion
Loans $ 4.80 billion
Deposits $ 5.38 billion
Capital $ 822.05 million

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

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
Premium Money Market Account
0.35% $10,000 $14,999 Learn More
Premium Money Market Account
0.35% $25,000 $34,999 Learn More
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FirstBank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to FirstBank
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Financial Details

FirstBank Ratio Analysis

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

Texas Ratio
FirstBank U.S. Bank Average
5.28% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, FirstBank had $31,006,000 in non-current loans and $17,072,000 in owned real estate. To cover these potential losses it had $822,054,000 in equity and $89,141,000 in loans loss reserves. That gives it a Texas Ratio of 5.28%.

Return on Equity
FirstBank U.S. Bank Average
0.65% 7.80%

FirstBank has a Return on Equity of 0.65% versus the BestCashCow average of 7.80%. 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.

FirstBank U.S. Bank Average
12.36% 12.68%

FirstBank has a Capitalization of 12.36% versus the BestCashCow average of 12.68. 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.

FirstBank Balance Sheet Analysis

As of March 31, 2020, FirstBank had assets of $6,651,423,000, loans of $4,804,201,000, and deposits of $5,377,141,000. 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, 2020
Cash & Balances due from depository institutions $ 365.90 million
Interest-bearing balances $ 339.05 million
Total securities $ 768.58 million
Federal funds sold and reverse repurchase $ 59.20 million
Net loans and leases $ 4.80 billion
Loan loss allowance $ 89.14 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 17.07 million
Goodwill and other intangibles $ 256.29 million
All other assets $ 248.16 million
     Total Assets $ 5.83 billion
Total deposits $ 5.38 billion
      Interest-bearing deposits $ 4.04 billion
      Deposits held in domestic offices $ 5.38 billion
      % insured (estimated) 61.19%
Federal funds purchased and repurchase agreements $ 31.89 million
Trading liabilities N.A.
Other borrowed funds $ 250.00 million
Subordinated debt N.A.
All other liabilities $ 170.34 million
      Total Liabilities $ 5.83 billion
      Shareholders’ Equity $ 822.05 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 69.67 million
Total Interest Expense $ 12.94 million
Net interest income $ 56.74 million
Provision for loan and lease losses $ 27.96 million
Total non interest income $ 42.45 million
Total non interest expense $ 69.78 million
Pre-tax Net Operating Income $ 1.44 million

Bank Loan Profile?

The top three loan types in FirstBank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Tennessee, FirstBank has a significantly higher percent of Small Business Loans, Commercial and Industrial 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.38
Credit Card Loans 0.00
Consumer Auto Loans 0.67
Small Business Loans 7.95
Construction and Development Loans 12.48
Commercial Real Estate 32.45
Commercial and Industrial Loans 21.11
Farm Loans 0.38

Frequently Asked Questions About Firstbank

Branches and Savings

Is Firstbank FDIC insured?

Yes. It is covered under FDIC Certificate #8663.

Why does Firstbank pay such low interest on savings accounts?

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

Why are Firstbank CD rates not competitive?

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

Is Firstbank a commercial bank?


Where are Firstbank locations?

See branch locations nearby.

Is Firstbank open on Saturdays?

Is Firstbank open on Sundays?

What time does Firstbank open?

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Are Firstbank ATMs Open 24/7?

Do Firstbank ATMs accept cash deposits?

Can Firstbank customers use other ATMs?

Do Firstbank branches have notaries?

Will Firstbank notarize my document?

What address for Firstbank should I put for incoming ACH transfers?

Will the Firstbank branch print checks?

Do Firstbank checks expire?

Does Firstbank require US citizenship to open account?

Can Firstbank close my account?

Does Firstbank Report to credit bureaus?

Does Firstbank Use Equifax?

What is Firstbank's ACH Routing Number?

What is Firstbank's SWIFT code?


Does Firstbank offer mortgages?

Compare mortgage rates here.

Does Firstbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Firstbank offer personal loans?

Compare personal loan rates here.

Does Firstbank offer student loans?

Will Firstbank cash a check?

Will Firstbank redeem a savings bond?

Does Firstbank cash savings bonds?

Will Firstbank cash money orders?

Can Firstbank issue a money order?

Does Firstbank do currency exchange?

Background on The Bank

Who owns Firstbank?

How long has Firstbank been around?

Can Firstbank transfer to other banks?

Does Firstbank have quick pay?

Does Firstbank accept rolled coins?

Will Firstbank accept loose change?

Where is Firstbank headquarters?

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