First National Bank of Tennessee

First National Bank of Tennessee is a privately-held, FDIC-insured community bank founded in 1965, operating six branches across Upper Cumberland Tennessee to serve individual consumers and small-to-medium-sized businesses with deposit, lending, and digital banking services.

Company typePrivate
Founded1965
HeadquartersAllgood, United States
Headcount51–100
GTM typeB2B and B2C
OfferingServices

What First National Bank of Tennessee does

First National Bank of Tennessee is a privately-held, federally chartered community bank founded in 1965 and headquartered in Livingston, Tennessee, operating six branches across the Upper Cumberland region in Algood, Cookeville, Crossville (two locations), Fairfield Glade, Livingston, and Sparta. The bank serves individual consumers and small-to-medium-sized businesses with a full suite of personal and commercial banking products, including personal checking and savings accounts, personal loans, a comprehensive home loan portfolio (mortgage, home equity, land, construction, and bridge loans), business checking and savings accounts, business loans and lines of credit, and Visa debit cards. Differentiated by a community-bank positioning emphasizing local decision-making and personal relationships, the bank holds a national bank charter regulated by the OCC, is an FDIC member, and is registered as NMLS #431625 with Equal Housing Lender designation.

The bank's digital banking platform, delivered through a third-party online banking provider (iBanking Services), spans web-based personal online banking, a mobile banking application supporting biometric login (fingerprint and facial recognition), Mobile Deposit, Card Control with GPS-based restrictions and spending limits, eStatements, Zelle peer-to-peer payments, and a Business Internet Banking (BIB) platform with ACH origination, wire transfers, bill payment, and QuickBooks integration. Mobile Wallet support extends to Apple Pay, Google Pay, and Samsung Pay, and telephone banking provides channel redundancy. Security is anchored by an Advanced Login Authentication (ALA) framework combining username/password credentials, device profiling, step-up authentication with one-time codes via voice or text, and optional secure tokens for high-value transactions.

Commercially, the bank operates a traditional direct-to-consumer and direct-to-business GTM model through physical branches and digital self-service channels, with no third-party reseller or embedded finance distribution. Revenue is generated primarily through net interest income on the loan portfolio (mortgage, home equity, personal, business) and noninterest income from deposit account fees, debit card interchange, wire transfer fees, stop payments, account research, and digital transaction fees (bill pay, Zelle). The customer base is split horizontally between individuals and SMBs in the Upper Cumberland Tennessee market, with no disclosed enterprise or high-net-worth specialization. Marketing channels are limited to the bank's website, a Facebook community page, the SANS OUCH! cybersecurity newsletter, and grassroots financial education programs (Kids Corner, Money Matters for Students).

First National Bank of Tennessee firmographics

Firmographics

Name: First National Bank of Tennessee
Legal name: First National Bank of Tennessee
Website: https://fnbotn.com
Company type: Private
Founded year: 1965
Operating status: Operating
Headcount range: 51–100 employees
Short description: First National Bank of Tennessee is a privately-held, FDIC-insured community bank founded in 1965, operating six branches across Upper Cumberland Tennessee to serve individual consumers and small-to-medium-sized businesses with deposit, lending, and digital banking services.
Ownership category
akta.pro rank

First National Bank of Tennessee industry classification

Industry

Product category: Retail Banking
NAICS: Commercial Banking (52211)
SIC: National Commercial Banks (6021)
akta.pro primary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industry: Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

Retail banking services
Community banking
Consumer lending
Mortgage lending
Commercial banking

Where First National Bank of Tennessee is headquartered

Location

Headquarters

HQ city: Allgood
HQ country: United States
HQ region: North America

Offices6 records

Markets served

First National Bank of Tennessee 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

Interest Income: Interest earned on loans including mortgage loans (home loans, home equity, land loans, construction loans, bridge loans), personal loans, and business loans. Core revenue stream from spread between interest rates charged on loans and paid on deposits.
Banking Fees and Service Charges: Fee income from deposit accounts, debit card transactions, wire transfers, stop payments, account research, and other banking services. Includes fees disclosed in Truth in Savings fee schedules.
Digital Banking Services: Bill payment services, Zelle transfers, and other digital transaction fees associated with online and mobile banking platforms.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Personal Checking Accounts
Subscription	Monthly	Personal Savings Accounts
Subscription	Monthly	Mobile Banking
Transaction based/ take rate	Pay-as-you-go	Bill Payment Service
Unit Pricing	Pay-as-you-go	Mobile Deposit

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

First National Bank of Tennessee product offering

Product offering

Core offering

First National Bank of Tennessee is a community bank providing personal and business banking products including checking accounts, savings accounts, consumer and mortgage loans (home equity, land, construction, bridge), and business loans. The bank delivers these services through six physical branches in the Upper Cumberland region of Tennessee and through digital banking platforms including online banking, mobile banking with biometric authentication, and telephone banking. Revenue is generated primarily through interest income on loans and fees on deposit accounts and banking services.

Product overview

First National Bank of Tennessee operates as a community bank offering a unified retail and commercial banking platform with multiple delivery channels. The core product suite consists of Consumer Digital Banking and Business Internet Banking (BIB) platforms providing account management, funds transfers, and transaction capabilities. Consumer offerings include Personal Checking, Personal Savings, Personal Loans, and Home Loans (Mortgage, Home Equity, Land, Construction, Bridge). Business banking encompasses Business Loans, Business Checking, and Business Savings. Key digital add-on modules include Bill Pay, Mobile Deposit, Card Control/Advanced Card Control, eStatements, and Mobile Wallet. The bank also provides Zelle peer-to-peer payments, Quicken/Microsoft Money/QuickBooks synchronization, and Telephone Banking. Supporting services include debit cards, financial calculators, Kids Corner education, Money Matters for Students, and identity protection resources. The bank maintains physical branch locations in Algood, Cookeville, Crossville, Fairfield Glade, Livingston, and Sparta, Tennessee.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking Personal checking account products including basic and interest-bearing account options with associated debit card access, designed for individual consumer banking needs.
Personal Savings Personal savings account products for various savings goals including vacation, college, and general savings purposes, serving individual consumers.
Personal Loans Customized personal loan solutions with prompt approval and processing by local bankers, serving individual borrowing needs.
Home Loans (Mortgage) Residential mortgage lending products for purchasing or refinancing primary residences for individual consumers.
Home Equity Line of Credit (HELOC) Home equity line of credit allowing homeowners to borrow against accumulated equity in their property for home improvement and other financial needs.
Land Loans Financing products for the purchase of land parcels for residential or investment purposes.
Construction Loans Short-term financing for residential construction projects during the building phase, serving individual homebuilders.
Bridge Loans Short-term financing bridging the gap between the purchase of a new home and the sale of an existing property.
Business Loans Commercial lending products including loans, lines of credit, and other financing solutions for business operations and growth.
Business Checking Business checking account products designed around commercial customer needs with associated debit card access.
Business Savings Business savings account products for commercial deposits and reserve management.
Consumer Online Banking Online banking platform enabling 24/7 account access, balance inquiries, funds transfers between eligible accounts, and management of personal finances through a web-based interface with advanced login authentication.
Mobile Banking Mobile banking application for smartphones enabling account access, payments, transfers, Mobile Deposit, Card Control features, and biometric authentication support.
Business Internet Banking (BIB) Business-focused online banking platform providing account access, funds transfers, ACH origination, wire transfers, bill payment, e-Statements, and QuickBooks integration for commercial customers.
Bill Pay Electronic bill payment service integrated within Digital Banking allowing customers to pay businesses, merchants, individuals, and utilities with funds transferred electronically or via paper check.
Debit Cards Visa debit card products for personal and business accounts enabling point-of-sale transactions, ATM withdrawals, and online purchases.
Telephone Banking Automated phone-based banking service allowing account inquiries and transactions via telephone without internet access.
Mobile Wallet Digital wallet integration supporting Apple Pay, Google Pay, Samsung Pay, and other mobile payment platforms for contactless transactions.

Companies that use First National Bank of Tennessee

Customer profile

Segments2 records

Ideal customer profiles2 records

First National Bank of Tennessee technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

First National Bank of Tennessee partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core and minor.

Early Warning Services, LLC (Zelle)coreTechnology or IntegrationFirst National Bank of Tennessee participates in the Zelle Network, enabling customers to send and receive money transfers using email addresses or mobile phone numbers. Zelle is owned by Early Warning Services, LLC and provides the underlying P2P payment infrastructure integrated into the bank's digital banking platform.
SANS InstituteminorStrategic or Co-development PartnerThe bank publishes the SANS OUCH! monthly cybersecurity awareness newsletter, providing educational content on topics such as phishing, password security, AI safety, scam prevention, and digital privacy for customers.
FDIC (Federal Deposit Insurance Corporation)coreOthersThe bank is an FDIC member institution, providing deposit insurance protection up to the federal limit. This is a regulatory relationship required for national bank operations.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

First National Bank of Tennessee competitors and assessment

Company assessment

Broad incumbents

Regions Financial: Large regional bank with a substantial Tennessee branch footprint and full consumer/commercial banking product set. Represents a broad incumbent competitor in the same Tennessee geography with significantly greater scale, technology investment capacity, and product breadth.
Pinnacle Financial Partners: Largest Tennessee-headquartered bank with broad consumer and commercial banking capabilities across multiple Southeastern markets. Larger scale and broader geographic reach than FNBOTN, but overlapping product set and direct competition for Tennessee deposit and loan customers.
First Horizon Corporation: Major Tennessee-based regional bank holding company (parent of First Tennessee Bank) with full-service consumer and commercial banking across the Southeast. Significantly larger scale than FNBOTN, but directly competes for the same Tennessee deposit and lending relationships.

Direct peers

Wilson Bank & Trust: Tennessee community bank headquartered in Lebanon, TN, offering personal and business deposit accounts, mortgage lending, and digital banking. Comparable size and product mix to FNBOTN with similar community-bank customer focus in the same state.
First Volunteer Bank: Tennessee community bank serving Southeast Tennessee and Northwest Georgia with consumer and commercial banking products. Comparable community-bank scale, branch-based distribution, and consumer/business deposit and lending mix.
FirstBank: Tennessee-based community bank with a comparable footprint of physical branches and a similar mix of consumer and business banking products. Operates with the same community-bank positioning in the same state, making it a close comparable on size, model, and geography.
SmartBank: Tennessee-headquartered community bank offering consumer and commercial banking across multiple Tennessee markets. Comparable branch-based, relationship-driven model with similar digital banking capabilities and product suite.
Citizens Bank of East Tennessee: Small Tennessee community bank providing personal and business banking products across East Tennessee. Comparable scale and product offerings to FNBOTN, operating with a similar community-bank model in a non-metro Tennessee market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

First National Bank of Tennessee compliance and trust

Trust signal

Compliance3 records

First National Bank of Tennessee financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First National Bank of Tennessee leadership team

Management profile

Number of profiles

First National Bank of Tennessee funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

First National Bank of Tennessee M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First National Bank of Tennessee

What does First National Bank of Tennessee do?

Is First National Bank of Tennessee a public or private company?

First National Bank of Tennessee is a private company. It is classified as unknown and is currently operating.

When was First National Bank of Tennessee founded?

First National Bank of Tennessee was founded in 1965. It employs 51 to 100 people.

Where is First National Bank of Tennessee based?

First National Bank of Tennessee is headquartered in Allgood, United States, in the North America region.

How does First National Bank of Tennessee make money?

Three revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges and digital Banking Services.

Who are First National Bank of Tennessee's main competitors?

Broad incumbents on record are Regions Financial, Pinnacle Financial Partners and First Horizon Corporation. Direct peers are Wilson Bank & Trust, First Volunteer Bank, FirstBank, SmartBank and Citizens Bank of East Tennessee.

Does First National Bank of Tennessee have an API?

No public API is recorded for First National Bank of Tennessee.

What industry is First National Bank of Tennessee in?

First National Bank of Tennessee's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6021.