FirstBank
FirstBank is a Tennessee-founded community bank, now a PNC subsidiary, operating 90 branches across the Southeast with approximately $16.5 billion in assets. It serves consumers and small-to-mid-sized businesses with deposit, lending, mortgage, manufactured-homes financing, treasury management, and wealth management products.
- Company typePublic
- Founded1906
- HeadquartersNashville, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What FirstBank does
FirstBank is a regional community bank founded in 1906 in Scotts Hill, Tennessee, and now headquartered in Nashville. As of Q1 2026 it operated 90 full-service branches across Tennessee, Kentucky, Alabama, Georgia, and (via the parent) an Asheville, North Carolina office, with approximately $16.5 billion in total assets, $14.08 billion in deposits, and $12.50 billion in loans held for investment. The bank was acquired by PNC Financial Services on January 5, 2026 and now operates as a PNC subsidiary; its former publicly traded parent, FB Financial Corporation (NYSE: FBK), continues to operate other banking subsidiaries.
FirstBank offers a full-service consumer and commercial banking platform spanning personal checking and savings (Essential, FirstRewards, Interest, Swipe Smart, USA Checking for Seniors, FirstUp Savings, CDs, money market, HSA), business banking (FirstBusiness and FirstCommercial checking, business lending, treasury management), mortgage lending through FirstBank Mortgage, manufactured-homes financing, trust services, and investment advisory through a partnership with Raymond James. Distribution is multi-channel: 90 physical branches supported by a digital platform (mobile and online banking with 256-bit encryption, Zelle, mobile wallets, mobile alerts, debit card fraud monitoring, Positive Pay, and ACH block/filter), plus an FX wire transfer capability launched in March 2026 for commercial clients through Derivative Path, Wells Fargo, and Jack Henry.
FirstBank's revenue model is a standard commercial-bank spread-plus-fee construct: Q1 2026 net interest income of $145.97 million on a 3.94% net interest margin, supplemented by non-interest income from deposit, loan, treasury management, and other service fees. GTM is direct-to-consumer and direct-to-SMB via the branch network and digital channels, targeting families and small-to-mid-sized businesses in the southeastern United States with a community-banking value proposition validated by a JD Power #1 ranking for retail banking satisfaction in the South Central region in 2026.
FirstBank firmographics
Firmographics- Name
- FirstBank
- Legal name
- FB Financial Corporation
- Website
- https://firstbankonline.com
- Company type
- Public
- Founded year
- 1906
- Operating status
- Acquired
- Short description
- FirstBank is a Tennessee-founded community bank, now a PNC subsidiary, operating 90 branches across the Southeast with approximately $16.5 billion in assets. It serves consumers and small-to-mid-sized businesses with deposit, lending, mortgage, manufactured-homes financing, treasury management, and wealth management products.
- Ownership category
- akta.pro rank
FirstBank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where FirstBank is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
FirstBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest earned on loans and securities minus interest paid on deposits. The primary revenue driver for the bank, with Q1 2026 net interest income of $145.97 million. Net interest margin was 3.94% in Q1 2026.
- Non-Interest Income: Fee-based revenue from banking services including deposit fees, loan fees, treasury management fees, and other service charges. Q1 2026 revenue was $172.34 million, with non-interest income components contributing to total revenue.
- Commercial Banking Services: Revenue from commercial clients including business checking, business lending, treasury management, and FX wire transfer services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Various checking account options including Essential Checking, FirstRewards Checking, Interest Checking, Swipe Smart Checking, and USA Checking for Seniors |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
FirstBank product offering
Product offeringCore offering
FirstBank is a regional community bank offering a comprehensive suite of personal and business banking products, including personal checking and savings accounts, business checking and lending, treasury management, residential mortgage lending, manufactured home financing, and investment services through a Raymond James partnership. Services are delivered through 90 full-service branches across Tennessee, Kentucky, Alabama, and Georgia, complemented by a digital banking platform with mobile and online channels.
Product overview
FirstBank is a regional community bank offering a comprehensive suite of banking products and services through both a digital banking platform (online and mobile) and 90 full-service branch locations across Tennessee, Kentucky, Alabama, and Georgia. The core product portfolio includes personal banking (checking, savings, CDs, money market accounts, HSAs), business banking (commercial checking, business lending, treasury management), mortgage lending through FirstBank Mortgage, manufactured home financing, and wealth management services (trust services, investment advisory through FirstBank Investment Partners). The digital banking platform serves as the primary channel for account access and includes value-added features such as Zelle payments, mobile wallets, mobile alerts, and FX wire transfers for commercial clients. The bank operates as a subsidiary of FB Financial Corporation (NYSE: FBK) with approximately $16.5 billion in total assets as of March 31, 2026.
Differentiator
Problem solved
Functional benefit
Brands
- FirstBank Mortgage: Mortgage lending services offered through FirstBank
- FirstBank Investment Partners
Products and services
- Essential Checking Basic personal checking account with essential banking features and no monthly service charge, designed for individual consumers.
- FirstRewards Checking Interest-bearing personal checking account offering rewards, no opening deposit required, no minimum balance fees, and refunded out-of-network ATM fees.
- Interest Checking Personal checking account that earns interest on deposited balances for individual consumers.
- Swipe Smart Checking Personal checking account with fee-free debit card transactions designed to help customers avoid overdraft fees.
- USA Checking for Seniors Personal checking account designed for customers age 62 and older with features tailored to senior banking needs.
- FirstUp Savings High-yield personal savings account designed to help customers build emergency funds with competitive interest rates.
- Companion Savings Personal savings account designed to be paired with a CD for enhanced returns, offering promotional APY rates when combined with qualifying FirstBank CDs.
- Certificate of Deposit (CD) Time deposit accounts with terms ranging from 6 to 30 months offering guaranteed returns with FDIC insurance protection.
- FirstRate Money Market Money market deposit account offering competitive interest rates with limited check-writing privileges.
- Money Market Tiered Tiered money market account with interest rates that increase based on account balance tiers.
- Health Savings Account Tax-advantaged savings account for individuals with high-deductible health plans to pay for qualified medical expenses.
- FirstBank Mortgage Residential mortgage lending services including purchase loans, refinances, and home equity products offered through FirstBank's mortgage division.
- Manufactured Homes Financing Financing and servicing for manufactured housing including retail, community owners, and consumer direct lending.
- FirstBusiness Checking Business checking account designed for small businesses with basic banking needs.
- FirstCommercial Checking Commercial checking account with enhanced features for larger business operations and higher transaction volumes.
- Public Funds Interest Checking Interest-bearing checking account designed for public entities such as municipalities, school districts, and government organizations.
- Commercial Money Market Tiered Business money market account with tiered interest rates based on balance levels.
- Business Lending Commercial lending products including term loans, lines of credit, commercial real estate loans, and construction financing for businesses.
- Treasury Management Cash management and treasury services for businesses including cash concentration, controlled disbursement, lockbox services, and FX wire transfers.
- Mobile Banking App FirstBank's mobile application for iOS and Android devices enabling account access, mobile deposits, transfers, and bill pay on-the-go for personal customers.
- Online Banking Web-based banking platform providing 24/7 account access, bill payment, fund transfers, and account management for personal customers.
- Business Banking App Mobile application designed for business customers to manage accounts, view transactions, and perform banking tasks remotely.
- Business Online Banking Web-based banking platform for business customers with enhanced features for commercial account management.
- Trust Services Wealth management and trust services including personal trusts, estate administration, and fiduciary services for individuals and families.
- FirstBank Investment Partners Investment advisory and brokerage services provided through a partnership with Raymond James, offering financial planning and investment management.
- FX Wire Transfers Foreign currency wire transfer capability for commercial clients enabling cross-border payment services within the digital banking platform.
Quantifiable outcome
- FirstBank ranked #1 for Retail Banking Customer Satisfaction in the South Central region in JD Power 2026 study (based on 100,000+ retail banking customers)
- +3 more outcomes
Companies that use FirstBank
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
FirstBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability2 records
Feature5 records
FirstBank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and major acquisition.
- Derivative PathcoreFirstBank partnered with Derivative Path to launch FX wire transfer capabilities for commercial clients. Derivative Path's International Payments platform provides the technology infrastructure enabling foreign currency wire transfers within FirstBank's digital banking platform. This partnership represents a five-year relationship between FirstBank and Derivative Path.
- Wells FargocoreWells Fargo provides FX execution and liquidity services for FirstBank's FX wire transfer solution. The partnership enables FirstBank to offer competitive cross-border payment capabilities to commercial clients without building its own FX infrastructure. Wells Fargo's FX desk and liquidity services are integrated through Derivative Path's platform and Jack Henry's Treasury Management.
- Jack Henry & AssociatescoreJack Henry's Treasury Management platform provides the integration layer connecting Derivative Path's FX solution and Wells Fargo's FX execution services into FirstBank's digital banking workflow. This enables seamless foreign currency wire transfer capabilities for commercial clients within FirstBank's existing digital banking systems.
- PNC Financial Services Groupmajor acquisitionPNC Financial Services completed its acquisition of FirstBank on January 5, 2026, adding $26 billion in assets, $16 billion in loans, and $23 billion in deposits to PNC's portfolio. FirstBank operates as a subsidiary of PNC following the acquisition.
- Raymond James Financial Services Advisors, Inc.coreFirstBank Investment Partners offers investment advisory services through a partnership with Raymond James Financial Services Advisors, Inc. Investment advisory services are offered while FirstBank and FirstBank Investment Partners are independent of Raymond James Financial Services. Raymond James provides the broker/dealer infrastructure and advisor network.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
FirstBank competitors and assessment
Company assessmentDirect peers
- Cadence Bank: Mississippi-headquartered regional bank operating across the Southeast with similar commercial banking focus. Directly comparable in scale and product offering to FirstBank.
- ServisFirst Bancshares: Birmingham-based commercial-focused regional bank with similar Tennessee and Alabama footprint. Comparable commercial banking model with emphasis on relationship lending.
- First Horizon National Corporation: Memphis-based regional bank with a similar Tennessee-focused footprint and comparable SMB/commercial banking model. Closest direct peer in geography, scale, and product mix.
- Pinnacle Financial Partners: Nashville-headquartered regional bank serving Tennessee and surrounding states with similar SMB and consumer banking services. Competes head-to-head in FirstBank's core Tennessee market.
- Synovus Financial: Columbus, Georgia-based regional bank serving the Southeast with similar commercial and consumer banking products. Comparable in asset size and geographic footprint.
Broad incumbents
- Truist Financial Corporation: Charlotte-based super-regional bank formed from BB&T and SunTrust, with significant Tennessee and Georgia presence. Competes with FirstBank across consumer and commercial segments at greater scale.
- Regions Financial: Birmingham-based super-regional bank with deep Alabama and Tennessee presence. Larger scale than FirstBank with overlapping commercial and consumer banking products in the Southeast.
- Bank of America: National incumbent bank with significant Tennessee presence competing directly with FirstBank on consumer deposits, mortgages, and commercial banking. Sets the competitive ceiling in the market.
- Wells Fargo: National bank with regional operations across the Southeast. Already a strategic partner to FirstBank via the FX wire transfer solution and a major competitor in commercial banking.
Regional players
- Renasant Corporation: Tupelo-based community bank with operations across the Southeast including Tennessee, Alabama, Mississippi, and Georgia. Closely comparable in size and community banking focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
FirstBank social profiles
Digital presenceFirstBank compliance and trust
Trust signalCompliance4 records
FirstBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
FirstBank leadership team
Management profileNumber of profiles
Profiles1 record
FirstBank subsidiaries and ownership
Company hierarchySubsidiaries4 records
FirstBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FirstBank M&A and investment
M&A and investmentM&A1 record
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FirstBank
What does FirstBank do?
FirstBank is a regional community bank offering a comprehensive suite of personal and business banking products, including personal checking and savings accounts, business checking and lending, treasury management, residential mortgage lending, manufactured home financing, and investment services through a Raymond James partnership. Services are delivered through 90 full-service branches across Tennessee, Kentucky, Alabama, and Georgia, complemented by a digital banking platform with mobile and online channels.
Is FirstBank a public or private company?
FirstBank is a public company. It is classified as corporate owned and is currently acquired.
When was FirstBank founded?
FirstBank was founded in 1906.
Where is FirstBank based?
FirstBank is headquartered in Nashville, United States, in the North America region.
How does FirstBank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and commercial Banking Services.
Who are FirstBank's main competitors?
Direct peers on record are Cadence Bank, ServisFirst Bancshares, First Horizon National Corporation, Pinnacle Financial Partners and Synovus Financial. Broad incumbents are Truist Financial Corporation, Regions Financial, Bank of America and Wells Fargo. Renasant Corporation is listed as a regional player.
Does FirstBank have an API?
No public API is recorded for FirstBank.
What industry is FirstBank in?
FirstBank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6021.