First Vision Bank
First Vision Bank is a privately-held Tennessee community bank offering personal and business checking, savings, lending, and merchant services to consumers and SMBs, with mortgage products provided through its First Vision Mortgage subsidiary.
- Company typePrivate
- Founded2005
- HeadquartersTullahoma, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What First Vision Bank does
First Vision Bank (First Vision Bank of Tennessee) is a privately-held community bank founded in 2005 and headquartered in Tullahoma, Tennessee. The bank serves both individual consumers and small-to-medium businesses across a regional Tennessee footprint through a multi-channel distribution model combining physical branches with online and mobile banking platforms. Its product portfolio spans personal and business checking and savings accounts (including Kasasa-branded reward accounts), personal loans (auto, boat, farm equipment), business loans, construction loans, merchant services, cash management, payroll services, and residential mortgages offered through its dedicated subsidiary, First Vision Mortgage (fvmortgage.com).
The bank operates on a standard commercial banking technology stack supporting digital self-service, mobile deposits, Zelle peer-to-person payments, and mobile wallet integrations. It is FDIC-insured, a member of the Federal Reserve System, and operates under NMLS# 879526, providing regulatory credibility that anchors its positioning.
Revenue mechanics are characteristic of a community bank: primary earnings come from net interest income generated by the lending book (personal, business, construction, and mortgage loans), supplemented by transaction-based revenue from deposit account fees, Kasasa reward account charges, merchant services processing fees, and mortgage origination/servicing fees through First Vision Mortgage. Go-to-market is sales-led and relationship-driven, anchored in branch-based personalized service, with digital channels serving as supplementary acquisition and retention infrastructure. The bank is investing in core system modernization, as evidenced by a scheduled June 26–29 system upgrade targeting improved security, reliability, and service quality.
First Vision Bank firmographics
Firmographics- Name
- First Vision Bank
- Legal name
- First Vision Bank
- Website
- https://firstvisionbank.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- First Vision Bank is a privately-held Tennessee community bank offering personal and business checking, savings, lending, and merchant services to consumers and SMBs, with mortgage products provided through its First Vision Mortgage subsidiary.
- Ownership category
- akta.pro rank
First Vision Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022), Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where First Vision Bank is headquartered
LocationHeadquarters
- HQ city
- Tullahoma
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
First Vision Bank 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 from Lending: Primary revenue from interest earned on loan products including personal loans, business loans, construction loans, and mortgages. Interest income generated from lending activities constitutes the core earnings of the bank.
- Deposit Account Fees and Service Charges: Fees generated from checking and savings accounts including maintenance fees, overdraft fees, and transaction charges on Kasasa reward accounts.
- Mortgage Banking Revenue: Revenue from mortgage originations and servicing through First Vision Mortgage subsidiary, including purchase, refinance, and home equity loan products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Kasasa Checking/Savings Accounts - Reward-based checking accounts with perks |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
First Vision Bank product offering
Product offeringCore offering
First Vision Bank is a Tennessee-based community bank providing personal and business banking products, including checking accounts, savings accounts, mobile and online banking, merchant services, cash management, and payroll services. It also offers a range of lending products — personal loans (auto, boat, farm equipment), business loans, and construction loans — and operates a dedicated mortgage subsidiary, First Vision Mortgage, for home purchase, refinance, and home equity loans.
Product overview
First Vision Bank is a regional community bank offering a unified banking platform with personal and business banking products. The core offerings include checking and savings accounts (with Kasasa-branded reward accounts), mobile and online banking, business services (merchant services, cash management, payroll services), and lending products (personal loans, business loans, construction loans). The bank operates a sub-brand called First Vision Mortgage (fvmortgage.com) that provides specialized home loan products including purchase, refinance, and home equity financing. Additional services include Zelle peer-to-peer payments, mobile wallet integration, and financial calculators. The product portfolio is organized as a single integrated banking platform with add-on modules for payments, loans, and financial planning tools.
Differentiator
Problem solved
Functional benefit
Brands
- First Vision Mortgage: Full suite of home loan products including purchase, refinance, and home equity options, operated at fvmortgage.com
Products and services
- Personal Checking Personal checking account offerings designed for individual banking needs, including Kasasa reward-based checking with cash back and perks.
- Personal Savings Savings account products for individuals with competitive rates and FDIC insurance, including Kasasa-branded reward savings.
- Mobile and Online Banking Mobile and online banking platform enabling customers to manage finances via smartphone or web, with account management, transfers, bill pay, and advanced financial management tools.
- Business Checking Commercial checking accounts designed for business banking needs.
- Business Savings Business savings accounts for commercial customers.
- Merchant Services Payment processing services for business merchants to accept card transactions.
- Cash Management Financial tools and services for businesses to manage cash flow, liquidity, and treasury operations.
- Payroll Services Payroll processing services for business customers.
- Personal Loans Consumer loan products for cars, trucks, boats, and farm equipment financing.
- Business Loans Commercial lending products for business financing needs.
- Construction Loans Specialized loans for construction and building projects.
- First Vision Mortgage Full suite of home loan products including purchase mortgages, refinances, and home equity loans offered through a dedicated mortgage division.
Companies that use First Vision Bank
Customer profileSegments3 records
Ideal customer profiles3 records
First Vision Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
First Vision Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- KasasacoreKasasa is a rewards checking and savings account program that First Vision Bank offers to customers. The partnership provides premium account features including cash back, high interest rates, and identity theft protection. Kasasa handles the backend processing and rewards fulfillment for these accounts.
- ZellecoreFirst Vision Bank offers Zelle person-to-person payment services as a resource for customers. Zelle enables customers to send money quickly between bank accounts. The bank integrates Zelle into its online and mobile banking platforms for customer use.
- First Vision MortgagecoreFirst Vision Mortgage (fvmortgage.com) is a subsidiary/brand providing mortgage services. First Vision Bank directs customers to this separate entity for home loan products including purchase mortgages, refinances, and home equity loans.
Recent moves5 records
Expansion highlights4 records
First Vision Bank competitors and assessment
Company assessmentDirect peers
- SmartBank: Tennessee-based community bank with personal/business banking and mortgage offerings. Comparable in scale, product mix, and regional focus, making it a near-direct peer.
- Bank of Tennessee: Tennessee state-chartered commercial bank with full personal and business banking services. Direct competitor in the same regional deposit and lending market.
- CoreFirst Bank & Trust: Mid-sized community bank offering personal/business banking, mortgages, and treasury services. Comparable in product breadth, GTM, and community-bank positioning even though geography differs.
- Ascend Federal Credit Union: Large Tennessee-headquartered credit union providing personal and business banking, lending, and digital services. Direct competitor for consumer and SMB deposits and loans in the same geography.
- FirstBank (Tennessee): Tennessee-based community bank offering personal and business banking, mortgage lending, and digital channels. Closest direct comparable given overlapping Tennessee footprint, full-service product suite, and community bank GTM motion.
- Citizens Bank of Tennessee: Tennessee community bank offering consumer and business banking products. Overlapping product set and regional orientation make it a direct comparable for sizing and benchmarking.
Broad incumbents
- First Horizon Corporation: Large Tennessee-based regional bank with full personal, business, and mortgage banking. Operates in the same primary geography as FVB but at significantly greater scale, providing a benchmark for the broader Tennessee banking market.
- JPMorgan Chase (Consumer & Community Banking): Nationwide consumer and SMB bank with mobile-first digital experience, broad product suite, and Zelle ownership. Competes with FVB for consumer and small business relationships at the national level, including in Tennessee.
Regional players
- Wilson Bank & Trust: Tennessee-headquartered community bank with similar product suite and SMB focus. Operates in adjacent Tennessee markets, making it a regional comparable rather than direct branch overlap.
Emerging players
- LendingClub Bank: Digital-first bank offering high-yield savings, lending, and deposit products. Represents the fintech-style competition targeting FVB's deposit franchise and consumer lending customers with superior digital UX.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
First Vision Bank social profiles
Digital presenceFirst Vision Bank compliance and trust
Trust signalCompliance4 records
First Vision Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Vision Bank leadership team
Management profileNumber of profiles
First Vision Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
First Vision Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Vision Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Vision Bank
What does First Vision Bank do?
First Vision Bank is a Tennessee-based community bank providing personal and business banking products, including checking accounts, savings accounts, mobile and online banking, merchant services, cash management, and payroll services. It also offers a range of lending products — personal loans (auto, boat, farm equipment), business loans, and construction loans — and operates a dedicated mortgage subsidiary, First Vision Mortgage, for home purchase, refinance, and home equity loans.
Is First Vision Bank a public or private company?
First Vision Bank is a private company. It is classified as unknown and is currently operating.
When was First Vision Bank founded?
First Vision Bank was founded in 2005. It employs 51 to 100 people.
Where is First Vision Bank based?
First Vision Bank is headquartered in Tullahoma, United States, in the North America region.
How does First Vision Bank make money?
Three revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Service Charges and mortgage Banking Revenue.
Who are First Vision Bank's main competitors?
Direct peers on record are SmartBank, Bank of Tennessee, CoreFirst Bank & Trust, Ascend Federal Credit Union, FirstBank (Tennessee) and Citizens Bank of Tennessee. Broad incumbents are First Horizon Corporation and JPMorgan Chase (Consumer & Community Banking). Wilson Bank & Trust is listed as a regional player. LendingClub Bank is listed as an emerging player.
Does First Vision Bank have an API?
No public API is recorded for First Vision Bank.
What industry is First Vision Bank in?
First Vision Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 5221 and its SIC code is 6022.